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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 | $69,487 | $127,387-45.5% | $115,038-39.6% | $125,389-44.6% |
| Participation rate | 85.7% | 84.2%+1.6pp | 81.4%+4.3pp | 83.2%+2.5pp |
| Annual return | 1.20% | 31.28%-30.1pp | 26.14%-24.9pp | 282.24%-281.0pp |
| Employer contribution / active EE | $10,255 | $5,166+98.5% | $4,608+122.6% | $4,866+110.8% |
| Participant deferral / active EE | $8,576 | $6,423+33.5% | $6,026+42.3% | $5,352+60.2% |
| Admin fee / account holder | $7,562 | $9,516-20.5% | $8,175-7.5% | $9,541-20.7% |