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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 | $80,177 | $176,838-54.7% | $146,685-45.3% | $167,518-52.1% |
| Participation rate | 93.8% | 83.6%+10.1pp | 80.1%+13.7pp | 82.1%+11.6pp |
| Annual return | 16.32% | 24.04%-7.7pp | 22.75%-6.4pp | 478.71%-462.4pp |
| Employer contribution / active EE | $2,307 | $5,161-55.3% | $4,137-44.2% | $4,838-52.3% |
| Participant deferral / active EE | $6,671 | $6,441+3.6% | $5,507+21.1% | $6,342+5.2% |
| Admin fee / account holder | $5,333 | $13,262-59.8% | $10,281-48.1% | $12,312-56.7% |