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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 | $35,331 | $102,609-65.6% | $98,090-64.0% | $138,895-74.6% |
| Participation rate | 95.0% | 82.8%+12.2pp | 81.5%+13.5pp | 79.9%+15.1pp |
| Annual return | 19.99% | 36.44%-16.5pp | 37.05%-17.1pp | 145.39%-125.4pp |
| Employer contribution / active EE | $3,461 | $3,867-10.5% | $3,606-4.0% | $4,194-17.5% |
| Participant deferral / active EE | $6,749 | $8,167-17.4% | $7,845-14.0% | $6,396+5.5% |
| Admin fee / account holder | $2,825 | $11,434-75.3% | $11,815-76.1% | $12,562-77.5% |