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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 | $73,073 | $117,846-38.0% | $102,434-28.7% | $145,884-49.9% |
| Participation rate | 94.1% | 78.6%+15.5pp | 76.5%+17.6pp | 80.3%+13.8pp |
| Annual return | 12.16% | 31.90%-19.7pp | 29.46%-17.3pp | 551.85%-539.7pp |
| Employer contribution / active EE | $3,019 | $3,615-16.5% | $3,023-0.1% | $4,662-35.3% |
| Participant deferral / active EE | $5,296 | $5,733-7.6% | $5,055+4.8% | $6,690-20.8% |
| Admin fee / account holder | $370 | $13,356-97.2% | $9,462-96.1% | $13,392-97.2% |