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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 | $39,227 | $96,558-59.4% | $80,977-51.6% | $273,972-85.7% |
| Participation rate | 90.9% | 79.1%+11.8pp | 75.8%+15.1pp | 83.0%+7.9pp |
| Annual return | 11.16% | 15.14%-4.0pp | 17.11%-5.9pp | 41.46%-30.3pp |
| Employer contribution / active EE | $4,724 | $4,869-3.0% | $3,715+27.2% | $4,869-3.0% |
| Participant deferral / active EE | $8,689 | $6,598+31.7% | $5,696+52.5% | $5,287+64.3% |
| Admin fee / account holder | $4,650 | $7,493-37.9% | $5,517-15.7% | $10,133-54.1% |