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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 | $66,766 | $118,496-43.7% | $98,461-32.2% | $139,466-52.1% |
| Participation rate | 81.3% | 77.5%+3.8pp | 75.2%+6.1pp | 80.3%+0.9pp |
| Annual return | 13.12% | 18.96%-5.8pp | 21.17%-8.1pp | 373.66%-360.5pp |
| Employer contribution / active EE | $2,291 | $3,611-36.6% | $3,049-24.9% | $4,754-51.8% |
| Participant deferral / active EE | $3,805 | $5,393-29.4% | $4,738-19.7% | $6,712-43.3% |
| Admin fee / account holder | $1,537 | $14,056-89.1% | $8,961-82.9% | $11,409-86.5% |