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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,509 | $117,904-42.7% | $102,457-34.1% | $145,978-53.8% |
| Participation rate | 92.3% | 78.6%+13.7pp | 76.5%+15.8pp | 80.3%+12.0pp |
| Annual return | 12.65% | 31.80%-19.1pp | 29.41%-16.8pp | 550.52%-537.9pp |
| Employer contribution / active EE | $1,419 | $3,613-60.7% | $3,022-53.1% | $4,662-69.6% |
| Participant deferral / active EE | $5,012 | $5,733-12.6% | $5,054-0.8% | $6,690-25.1% |
| Admin fee / account holder | $1,446 | $13,329-89.2% | $9,451-84.7% | $13,400-89.2% |