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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 | $80,216 | $124,425-35.5% | $112,040-28.4% | $137,256-41.6% |
| Participation rate | 85.0% | 79.3%+5.7pp | 76.5%+8.5pp | 80.0%+5.0pp |
| Annual return | 14.31% | 24.72%-10.4pp | 24.52%-10.2pp | 220.34%-206.0pp |
| Employer contribution / active EE | $1,639 | $3,411-51.9% | $2,954-44.5% | $4,156-60.6% |
| Participant deferral / active EE | $3,855 | $5,718-32.6% | $5,098-24.4% | $6,407-39.8% |
| Admin fee / account holder | $922 | $15,207-93.9% | $12,098-92.4% | $12,270-92.5% |