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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 | $58,089 | $57,541+1.0% | $95,740-39.3% | $75,173-22.7% |
| Participation rate | 95.6% | 62.5%+33.0pp | 72.3%+23.3pp | 67.2%+28.4pp |
| Annual return | 18.57% | 34.93%-16.4pp | 28.41%-9.8pp | 160.72%-142.2pp |
| Employer contribution / active EE | $1,900 | $1,808+5.1% | $2,836-33.0% | $2,671-28.9% |
| Participant deferral / active EE | $3,549 | $3,074+15.5% | $4,244-16.4% | $4,126-14.0% |
| Admin fee / account holder | $794 | $4,099-80.6% | $5,676-86.0% | $5,651-85.9% |