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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 | $45,756 | $102,609-55.4% | $98,090-53.4% | $138,895-67.1% |
| Participation rate | 90.0% | 82.8%+7.2pp | 81.5%+8.5pp | 79.9%+10.1pp |
| Annual return | 21.33% | 36.44%-15.1pp | 37.05%-15.7pp | 145.39%-124.1pp |
| Employer contribution / active EE | $1,674 | $3,867-56.7% | $3,606-53.6% | $4,194-60.1% |
| Participant deferral / active EE | $8,047 | $8,167-1.5% | $7,845+2.6% | $6,396+25.8% |
| Admin fee / account holder | $822 | $11,434-92.8% | $11,815-93.0% | $12,562-93.5% |