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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 | $33,716 | $136,860-75.4% | $120,344-72.0% | $154,746-78.2% |
| Participation rate | 95.5% | 79.9%+15.6pp | 76.7%+18.7pp | 80.7%+14.8pp |
| Annual return | 16.01% | 21.38%-5.4pp | 20.30%-4.3pp | 172.34%-156.3pp |
| Employer contribution / active EE | $3,357 | $3,533-5.0% | $3,020+11.2% | $4,379-23.3% |
| Participant deferral / active EE | $6,674 | $5,793+15.2% | $5,135+30.0% | $6,730-0.8% |
| Admin fee / account holder | $3,812 | $15,393-75.2% | $12,742-70.1% | $14,365-73.5% |