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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 | $80,232 | $114,119-29.7% | $107,187-25.1% | $138,895-42.2% |
| Participation rate | 76.5% | 78.1%-1.6pp | 75.0%+1.5pp | 79.9%-3.4pp |
| Annual return | 15.59% | 273.21%-257.6pp | 204.55%-189.0pp | 145.39%-129.8pp |
| Employer contribution / active EE | $1,689 | $4,059-58.4% | $3,782-55.3% | $4,194-59.7% |
| Participant deferral / active EE | $4,975 | $5,538-10.2% | $5,096-2.4% | $6,396-22.2% |
| Admin fee / account holder | $6,460 | $10,024-35.6% | $9,162-29.5% | $12,562-48.6% |