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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 | $29,090 | $100,970-71.2% | $96,576-69.9% | $137,256-78.8% |
| Participation rate | 95.0% | 82.6%+12.4pp | 81.4%+13.6pp | 80.0%+15.0pp |
| Annual return | 19.45% | 38.16%-18.7pp | 38.47%-19.0pp | 220.34%-200.9pp |
| Employer contribution / active EE | $2,653 | $3,809-30.3% | $3,553-25.3% | $4,156-36.2% |
| Participant deferral / active EE | $6,729 | $8,286-18.8% | $7,956-15.4% | $6,407+5.0% |
| Admin fee / account holder | $447 | $11,312-96.0% | $11,381-96.1% | $12,270-96.4% |