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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 | $161,352-71.4% | $134,172-65.6% | $137,256-66.3% |
| Participation rate | 83.3% | 78.3%+5.0pp | 72.5%+10.9pp | 80.0%+3.4pp |
| Annual return | 17.89% | 28.72%-10.8pp | 25.30%-7.4pp | 220.34%-202.4pp |
| Employer contribution / active EE | $3,105 | $4,099-24.2% | $3,420-9.2% | $4,156-25.3% |
| Participant deferral / active EE | $5,512 | $5,552-0.7% | $4,690+17.5% | $6,407-14.0% |
| Admin fee / account holder | $896 | $15,028-94.0% | $12,016-92.5% | $12,270-92.7% |