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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 | $67,144 | $78,423-14.4% | $95,964-30.0% | $79,856-15.9% |
| Participation rate | 96.4% | 73.5%+22.9pp | 77.1%+19.3pp | 69.6%+26.8pp |
| Annual return | 12.20% | 19.37%-7.2pp | 91.64%-79.4pp | 31.71%-19.5pp |
| Employer contribution / active EE | $1,087 | $1,945-44.1% | $2,541-57.2% | $2,471-56.0% |
| Participant deferral / active EE | $1,849 | $3,440-46.2% | $4,167-55.6% | $3,741-50.6% |
| Admin fee / account holder | $2,080 | $5,622-63.0% | $6,797-69.4% | $5,306-60.8% |