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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 | $56,889 | $73,988-23.1% | $96,538-41.1% | $75,177-24.3% |
| Participation rate | 76.9% | 66.4%+10.5pp | 74.3%+2.6pp | 67.2%+9.7pp |
| Annual return | 17.06% | 26.73%-9.7pp | 35.74%-18.7pp | 160.75%-143.7pp |
| Employer contribution / active EE | $3,083 | $2,930+5.2% | $3,740-17.6% | $2,671+15.4% |
| Participant deferral / active EE | $5,252 | $3,660+43.5% | $4,880+7.6% | $4,126+27.3% |
| Admin fee / account holder | $1,464 | $5,220-72.0% | $6,737-78.3% | $5,651-74.1% |