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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 | $38,407 | $154,228-75.1% | $145,433-73.6% | $137,256-72.0% |
| Participation rate | 90.0% | 83.8%+6.2pp | 82.1%+7.9pp | 80.0%+10.0pp |
| Annual return | 13.64% | 74.59%-60.9pp | 66.58%-52.9pp | 220.34%-206.7pp |
| Employer contribution / active EE | $4,349 | $4,804-9.5% | $4,554-4.5% | $4,156+4.7% |
| Participant deferral / active EE | $2,880 | $8,216-65.0% | $7,897-63.5% | $6,407-55.1% |
| Admin fee / account holder | $2,195 | $14,344-84.7% | $13,129-83.3% | $12,270-82.1% |