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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 | $46,214 | $177,156-73.9% | $147,027-68.6% | $154,746-70.1% |
| Participation rate | 83.3% | 79.4%+4.0pp | 73.7%+9.6pp | 80.7%+2.6pp |
| Annual return | 17.89% | 21.94%-4.0pp | 20.23%-2.3pp | 172.34%-154.4pp |
| Employer contribution / active EE | $3,105 | $4,336-28.4% | $3,626-14.4% | $4,379-29.1% |
| Participant deferral / active EE | $5,512 | $5,797-4.9% | $4,933+11.7% | $6,730-18.1% |
| Admin fee / account holder | $896 | $14,904-94.0% | $12,223-92.7% | $14,365-93.8% |