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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 | $99,389 | $176,838-43.8% | $146,685-32.2% | $167,518-40.7% |
| Participation rate | 88.9% | 83.6%+5.3pp | 80.1%+8.8pp | 82.1%+6.8pp |
| Annual return | 19.62% | 24.04%-4.4pp | 22.75%-3.1pp | 478.71%-459.1pp |
| Employer contribution / active EE | $1,983 | $5,161-61.6% | $4,137-52.1% | $4,838-59.0% |
| Participant deferral / active EE | $3,436 | $6,441-46.7% | $5,507-37.6% | $6,342-45.8% |
| Admin fee / account holder | $1,220 | $13,262-90.8% | $10,281-88.1% | $12,312-90.1% |