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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 | $69,694 | $88,672-21.4% | $105,223-33.8% | $82,448-15.5% |
| Participation rate | 80.8% | 67.9%+12.8pp | 75.0%+5.7pp | 68.1%+12.7pp |
| Annual return | 16.94% | 30.86%-13.9pp | 180.65%-163.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,821 | $3,048-40.3% | $3,689-50.6% | $2,551-28.6% |
| Participant deferral / active EE | $6,189 | $4,036+53.3% | $5,072+22.0% | $4,139+49.5% |
| Admin fee / account holder | $2,686 | $7,146-62.4% | $8,859-69.7% | $7,234-62.9% |