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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 | $68,783 | $93,617-26.5% | $135,982-49.4% | $75,177-8.5% |
| Participation rate | 97.1% | 75.2%+21.9pp | 81.9%+15.1pp | 67.2%+29.9pp |
| Annual return | 17.86% | 30.89%-13.0pp | 68.32%-50.5pp | 160.75%-142.9pp |
| Employer contribution / active EE | $3,335 | $3,538-5.8% | $4,859-31.4% | $2,671+24.8% |
| Participant deferral / active EE | $7,283 | $6,406+13.7% | $7,760-6.1% | $4,126+76.5% |
| Admin fee / account holder | $5,384 | $6,980-22.9% | $10,767-50.0% | $5,651-4.7% |