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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 | $33,127 | $124,425-73.4% | $112,040-70.4% | $137,256-75.9% |
| Participation rate | 91.7% | 79.3%+12.4pp | 76.5%+15.2pp | 80.0%+11.7pp |
| Annual return | 17.80% | 24.72%-6.9pp | 24.52%-6.7pp | 220.34%-202.5pp |
| Employer contribution / active EE | $2,945 | $3,411-13.7% | $2,954-0.3% | $4,156-29.1% |
| Participant deferral / active EE | $4,801 | $5,718-16.0% | $5,098-5.8% | $6,407-25.1% |
| Admin fee / account holder | $863 | $15,207-94.3% | $12,098-92.9% | $12,270-93.0% |