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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 | $125,386 | $211,288-40.7% | $178,540-29.8% | $145,884-14.1% |
| Participation rate | 90.0% | 80.8%+9.2pp | 77.1%+12.9pp | 80.3%+9.7pp |
| Annual return | 15.02% | 30.27%-15.3pp | 27.15%-12.1pp | 551.85%-536.8pp |
| Employer contribution / active EE | $2,743 | $4,574-40.0% | $3,953-30.6% | $4,662-41.2% |
| Participant deferral / active EE | $6,029 | $6,967-13.5% | $6,281-4.0% | $6,690-9.9% |
| Admin fee / account holder | $842 | $12,105-93.0% | $10,424-91.9% | $13,392-93.7% |