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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 | $70,678 | $102,609-31.1% | $98,090-27.9% | $138,895-49.1% |
| Participation rate | 91.7% | 82.8%+8.9pp | 81.5%+10.1pp | 79.9%+11.7pp |
| Annual return | 15.14% | 36.44%-21.3pp | 37.05%-21.9pp | 145.39%-130.3pp |
| Employer contribution / active EE | $4,852 | $3,867+25.5% | $3,606+34.5% | $4,194+15.7% |
| Participant deferral / active EE | $12,298 | $8,167+50.6% | $7,845+56.8% | $6,396+92.3% |
| Admin fee / account holder | $3,035 | $11,434-73.5% | $11,815-74.3% | $12,562-75.8% |