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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 | $88,779 | $95,383-6.9% | $185,837-52.2% | $85,856+3.4% |
| Participation rate | 97.3% | 68.8%+28.5pp | 81.7%+15.6pp | 69.3%+28.0pp |
| Annual return | 19.18% | 23.59%-4.4pp | 122.08%-102.9pp | 318.58%-299.4pp |
| Employer contribution / active EE | $2,905 | $3,313-12.3% | $5,168-43.8% | $2,565+13.2% |
| Participant deferral / active EE | $6,947 | $3,423+102.9% | $5,568+24.7% | $3,952+75.8% |
| Admin fee / account holder | $910 | $7,213-87.4% | $16,241-94.4% | $6,261-85.5% |