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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 | $80,560 | $124,346-35.2% | $111,308-27.6% | $167,536-51.9% |
| Participation rate | 90.0% | 79.6%+10.4pp | 77.3%+12.7pp | 82.1%+7.9pp |
| Annual return | 13.94% | 37.45%-23.5pp | 54.67%-40.7pp | 478.82%-464.9pp |
| Employer contribution / active EE | $1,881 | $3,437-45.3% | $2,732-31.1% | $4,839-61.1% |
| Participant deferral / active EE | $5,829 | $5,182+12.5% | $4,487+29.9% | $6,342-8.1% |
| Admin fee / account holder | $2,977 | $10,621-72.0% | $7,965-62.6% | $12,315-75.8% |