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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 | $64,005 | $102,609-37.6% | $98,090-34.7% | $138,895-53.9% |
| Participation rate | 89.5% | 82.8%+6.7pp | 81.5%+7.9pp | 79.9%+9.6pp |
| Annual return | 33.31% | 36.44%-3.1pp | 37.05%-3.7pp | 145.39%-112.1pp |
| Employer contribution / active EE | $4,710 | $3,867+21.8% | $3,606+30.6% | $4,194+12.3% |
| Participant deferral / active EE | $5,627 | $8,167-31.1% | $7,845-28.3% | $6,396-12.0% |
| Admin fee / account holder | $881 | $11,434-92.3% | $11,815-92.5% | $12,562-93.0% |