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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 | $82,892 | $110,303-24.9% | $95,759-13.4% | $139,487-40.6% |
| Participation rate | 88.9% | 75.7%+13.1pp | 72.3%+16.6pp | 80.3%+8.6pp |
| Annual return | 12.18% | 27.19%-15.0pp | 28.42%-16.2pp | 373.84%-361.7pp |
| Employer contribution / active EE | $1,753 | $3,261-46.2% | $2,836-38.2% | $4,755-63.1% |
| Participant deferral / active EE | $6,041 | $4,674+29.2% | $4,244+42.3% | $6,713-10.0% |
| Admin fee / account holder | $584 | $6,615-91.2% | $5,678-89.7% | $11,407-94.9% |