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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 | $35,067 | $107,666-67.4% | $102,184-65.7% | $154,746-77.3% |
| Participation rate | 94.7% | 83.7%+11.0pp | 82.6%+12.1pp | 80.7%+14.0pp |
| Annual return | 16.05% | 29.33%-13.3pp | 31.58%-15.5pp | 172.34%-156.3pp |
| Employer contribution / active EE | $987 | $3,846-74.3% | $3,594-72.5% | $4,379-77.5% |
| Participant deferral / active EE | $11,026 | $8,719+26.5% | $8,309+32.7% | $6,730+63.8% |
| Admin fee / account holder | $8,866 | $12,943-31.5% | $11,609-23.6% | $14,365-38.3% |