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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 | $75,570 | $136,860-44.8% | $120,344-37.2% | $154,746-51.2% |
| Participation rate | 90.0% | 79.9%+10.1pp | 76.7%+13.3pp | 80.7%+9.3pp |
| Annual return | 8.83% | 21.38%-12.5pp | 20.30%-11.5pp | 172.34%-163.5pp |
| Employer contribution / active EE | $1,284 | $3,533-63.7% | $3,020-57.5% | $4,379-70.7% |
| Participant deferral / active EE | $5,152 | $5,793-11.1% | $5,135+0.3% | $6,730-23.5% |
| Admin fee / account holder | $693 | $15,393-95.5% | $12,742-94.6% | $14,365-95.2% |