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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 | $33,078 | $99,345-66.7% | $84,753-61.0% | $273,972-87.9% |
| Participation rate | 95.2% | 80.7%+14.5pp | 76.6%+18.6pp | 83.0%+12.2pp |
| Annual return | 9.53% | 22.93%-13.4pp | 22.78%-13.3pp | 41.46%-31.9pp |
| Employer contribution / active EE | $3,203 | $4,214-24.0% | $3,574-10.4% | $4,869-34.2% |
| Participant deferral / active EE | $4,987 | $4,270+16.8% | $3,712+34.4% | $5,287-5.7% |
| Admin fee / account holder | $642 | $6,645-90.3% | $5,333-88.0% | $10,133-93.7% |