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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 | $39,071 | $182,442-78.6% | $163,379-76.1% | $138,895-71.9% |
| Participation rate | 85.7% | 79.8%+5.9pp | 76.8%+8.9pp | 79.9%+5.8pp |
| Annual return | 18.91% | 72.74%-53.8pp | 63.41%-44.5pp | 145.39%-126.5pp |
| Employer contribution / active EE | $2,465 | $4,159-40.7% | $3,752-34.3% | $4,194-41.2% |
| Participant deferral / active EE | $6,533 | $6,817-4.2% | $6,282+4.0% | $6,396+2.1% |
| Admin fee / account holder | $2,560 | $10,396-75.4% | $9,818-73.9% | $12,562-79.6% |