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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 | $39,365 | $135,956-71.0% | $123,894-68.2% | $273,972-85.6% |
| Participation rate | 93.3% | 84.1%+9.3pp | 81.4%+11.9pp | 83.0%+10.3pp |
| Annual return | 8.56% | 56.63%-48.1pp | 47.52%-39.0pp | 41.46%-32.9pp |
| Employer contribution / active EE | $3,886 | $5,170-24.8% | $4,617-15.8% | $4,869-20.2% |
| Participant deferral / active EE | $9,291 | $6,343+46.5% | $5,984+55.3% | $5,287+75.7% |
| Admin fee / account holder | $3,861 | $9,817-60.7% | $8,357-53.8% | $10,133-61.9% |