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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 | $126,661-73.4% | $113,397-70.3% | $138,895-75.7% |
| Participation rate | 95.5% | 79.4%+16.0pp | 76.5%+19.0pp | 79.9%+15.5pp |
| Annual return | 16.01% | 25.05%-9.0pp | 23.20%-7.2pp | 145.39%-129.4pp |
| Employer contribution / active EE | $3,357 | $3,456-2.9% | $2,977+12.8% | $4,194-20.0% |
| Participant deferral / active EE | $6,674 | $5,693+17.2% | $5,076+31.5% | $6,396+4.3% |
| Admin fee / account holder | $3,812 | $14,549-73.8% | $11,957-68.1% | $12,562-69.7% |