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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 | $80,720 | $100,970-20.1% | $96,576-16.4% | $137,256-41.2% |
| Participation rate | 84.6% | 82.6%+2.0pp | 81.4%+3.2pp | 80.0%+4.7pp |
| Annual return | 14.83% | 38.16%-23.3pp | 38.47%-23.6pp | 220.34%-205.5pp |
| Employer contribution / active EE | $3,448 | $3,809-9.5% | $3,553-3.0% | $4,156-17.0% |
| Participant deferral / active EE | $3,803 | $8,286-54.1% | $7,956-52.2% | $6,407-40.6% |
| Admin fee / account holder | $2,936 | $11,312-74.0% | $11,381-74.2% | $12,270-76.1% |