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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 | $79,763 | $124,314-35.8% | $109,163-26.9% | $167,518-52.4% |
| Participation rate | 92.9% | 79.4%+13.4pp | 75.9%+17.0pp | 82.1%+10.7pp |
| Annual return | 13.52% | 26.04%-12.5pp | 25.75%-12.2pp | 478.71%-465.2pp |
| Employer contribution / active EE | $1,344 | $4,209-68.1% | $3,723-63.9% | $4,838-72.2% |
| Participant deferral / active EE | $4,786 | $5,256-8.9% | $4,654+2.8% | $6,342-24.5% |
| Admin fee / account holder | $9,169 | $7,973+15.0% | $6,754+35.8% | $12,312-25.5% |