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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 | $75,819 | $201,344-62.3% | $184,243-58.8% | $145,877-48.0% |
| Participation rate | 94.1% | 87.5%+6.6pp | 86.8%+7.3pp | 80.3%+13.8pp |
| Annual return | 16.04% | 29.01%-13.0pp | 28.82%-12.8pp | 551.28%-535.2pp |
| Employer contribution / active EE | $3,561 | $7,022-49.3% | $6,427-44.6% | $4,663-23.6% |
| Participant deferral / active EE | $5,901 | $9,807-39.8% | $9,132-35.4% | $6,691-11.8% |
| Admin fee / account holder | $11,145 | $16,382-32.0% | $13,914-19.9% | $13,402-16.8% |