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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 | $38,931 | $165,399-76.5% | $149,745-74.0% | $158,982-75.5% |
| Participation rate | 87.0% | 84.6%+2.4pp | 82.5%+4.5pp | 82.0%+5.0pp |
| Annual return | 19.46% | 348.34%-328.9pp | 276.72%-257.3pp | 302.99%-283.5pp |
| Employer contribution / active EE | $4,076 | $5,105-20.1% | $4,646-12.3% | $4,763-14.4% |
| Participant deferral / active EE | $7,405 | $7,183+3.1% | $6,843+8.2% | $5,983+23.8% |
| Admin fee / account holder | $1,111 | $10,811-89.7% | $9,312-88.1% | $11,252-90.1% |