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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 | $29,898 | $132,310-77.4% | $105,754-71.7% | $273,972-89.1% |
| Participation rate | 90.5% | 83.2%+7.3pp | 78.9%+11.6pp | 83.0%+7.5pp |
| Annual return | 9.03% | 10.08%-1.1pp | 12.25%-3.2pp | 41.46%-32.4pp |
| Employer contribution / active EE | $4,272 | $4,867-12.2% | $4,079+4.7% | $4,869-12.3% |
| Participant deferral / active EE | $3,779 | $6,233-39.4% | $5,326-29.0% | $5,287-28.5% |
| Admin fee / account holder | $2,447 | $12,036-79.7% | $8,309-70.5% | $10,133-75.8% |