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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 | $78,602 | $149,754-47.5% | $118,934-33.9% | $158,931-50.5% |
| Participation rate | 91.7% | 82.1%+9.6pp | 75.4%+16.3pp | 82.0%+9.7pp |
| Annual return | 10.58% | 19.95%-9.4pp | 35.88%-25.3pp | 302.86%-292.3pp |
| Employer contribution / active EE | $2,963 | $4,116-28.0% | $3,263-9.2% | $4,761-37.8% |
| Participant deferral / active EE | $4,012 | $5,224-23.2% | $4,265-5.9% | $5,982-32.9% |
| Admin fee / account holder | $10,966 | $8,603+27.5% | $6,580+66.6% | $11,247-2.5% |