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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 | $70,669 | $112,729-37.3% | $98,716-28.4% | $137,256-48.5% |
| Participation rate | 91.7% | 74.2%+17.4pp | 69.3%+22.4pp | 80.0%+11.7pp |
| Annual return | 12.00% | 38.48%-26.5pp | 31.81%-19.8pp | 220.34%-208.3pp |
| Employer contribution / active EE | $1,606 | $2,725-41.1% | $2,279-29.5% | $4,156-61.3% |
| Participant deferral / active EE | $6,250 | $4,640+34.7% | $4,048+54.4% | $6,407-2.4% |
| Admin fee / account holder | $36,144 | $10,129+256.9% | $8,703+315.3% | $12,270+194.6% |