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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 | $88,338 | $115,917-23.8% | $100,535-12.1% | $158,982-44.4% |
| Participation rate | 90.9% | 81.6%+9.3pp | 79.4%+11.5pp | 82.0%+8.9pp |
| Annual return | 10.76% | 34.80%-24.0pp | 30.90%-20.1pp | 302.99%-292.2pp |
| Employer contribution / active EE | $1,844 | $4,105-55.1% | $3,419-46.1% | $4,763-61.3% |
| Participant deferral / active EE | $11,160 | $6,677+67.1% | $6,271+77.9% | $5,983+86.5% |
| Admin fee / account holder | $6,517 | $11,002-40.8% | $8,085-19.4% | $11,252-42.1% |