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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 | $44,518 | $106,247-58.1% | $96,515-53.9% | $139,466-68.1% |
| Participation rate | 92.3% | 77.8%+14.5pp | 74.3%+18.0pp | 80.3%+12.0pp |
| Annual return | 15.70% | 38.47%-22.8pp | 35.73%-20.0pp | 373.66%-358.0pp |
| Employer contribution / active EE | $3,955 | $4,106-3.7% | $3,740+5.8% | $4,754-16.8% |
| Participant deferral / active EE | $8,296 | $5,456+52.1% | $4,880+70.0% | $6,712+23.6% |
| Admin fee / account holder | $6,339 | $7,885-19.6% | $6,735-5.9% | $11,409-44.4% |