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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 | $121,364 | $162,812-25.5% | $133,971-9.4% | $158,966-23.7% |
| Participation rate | 95.2% | 83.2%+12.0pp | 79.8%+15.4pp | 82.0%+13.3pp |
| Annual return | 19.32% | 41.94%-22.6pp | 45.09%-25.8pp | 302.95%-283.6pp |
| Employer contribution / active EE | $2,654 | $4,976-46.7% | $3,919-32.3% | $4,762-44.3% |
| Participant deferral / active EE | $7,422 | $5,910+25.6% | $5,047+47.0% | $5,983+24.0% |
| Admin fee / account holder | $1,053 | $11,741-91.0% | $8,929-88.2% | $11,250-90.6% |