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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 | $78,828 | $98,766-20.2% | $149,730-47.4% | $79,852-1.3% |
| Participation rate | 95.9% | 75.8%+20.1pp | 82.5%+13.4pp | 69.6%+26.3pp |
| Annual return | 14.87% | 27.43%-12.6pp | 276.70%-261.8pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,376 | $3,217-26.2% | $4,645-48.9% | $2,471-3.9% |
| Participant deferral / active EE | $4,382 | $5,681-22.9% | $6,843-36.0% | $3,740+17.2% |
| Admin fee / account holder | $3,242 | $6,052-46.4% | $9,310-65.2% | $5,306-38.9% |