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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 | $59,364 | $80,992-26.7% | $96,534-38.5% | $75,173-21.0% |
| Participation rate | 90.9% | 71.8%+19.1pp | 76.0%+14.9pp | 67.2%+23.7pp |
| Annual return | 16.11% | 27.05%-10.9pp | 25.88%-9.8pp | 160.72%-144.6pp |
| Employer contribution / active EE | $1,999 | $2,283-12.4% | $2,965-32.6% | $2,671-25.2% |
| Participant deferral / active EE | $3,217 | $3,929-18.1% | $4,851-33.7% | $4,126-22.0% |
| Admin fee / account holder | $4,022 | $6,717-40.1% | $8,253-51.3% | $5,651-28.8% |