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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 | $107,666-25.0% | $102,184-21.0% | $154,746-47.8% |
| Participation rate | 84.6% | 83.7%+0.9pp | 82.6%+2.0pp | 80.7%+3.9pp |
| Annual return | 14.83% | 29.33%-14.5pp | 31.58%-16.7pp | 172.34%-157.5pp |
| Employer contribution / active EE | $3,448 | $3,846-10.4% | $3,594-4.1% | $4,379-21.3% |
| Participant deferral / active EE | $3,803 | $8,719-56.4% | $8,309-54.2% | $6,730-43.5% |
| Admin fee / account holder | $2,936 | $12,943-77.3% | $11,609-74.7% | $14,365-79.6% |