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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 | $74,726 | $80,983-7.7% | $96,544-22.6% | $75,177-0.6% |
| Participation rate | 93.6% | 71.8%+21.8pp | 76.0%+17.6pp | 67.2%+26.4pp |
| Annual return | 19.22% | 27.05%-7.8pp | 25.88%-6.7pp | 160.75%-141.5pp |
| Employer contribution / active EE | $3,114 | $2,282+36.4% | $2,966+5.0% | $2,671+16.6% |
| Participant deferral / active EE | $3,193 | $3,929-18.7% | $4,851-34.2% | $4,126-22.6% |
| Admin fee / account holder | $2,794 | $6,717-58.4% | $8,254-66.2% | $5,651-50.6% |