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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 | $61,388 | $199,109-69.2% | $173,730-64.7% | $154,746-60.3% |
| Participation rate | 86.7% | 82.8%+3.9pp | 79.6%+7.1pp | 80.7%+6.0pp |
| Annual return | 16.92% | 20.02%-3.1pp | 19.96%-3.0pp | 172.34%-155.4pp |
| Employer contribution / active EE | $3,366 | $5,311-36.6% | $4,577-26.5% | $4,379-23.1% |
| Participant deferral / active EE | $5,795 | $7,113-18.5% | $6,326-8.4% | $6,730-13.9% |
| Admin fee / account holder | $510 | $20,916-97.6% | $17,523-97.1% | $14,365-96.5% |