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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 | $65,207 | $124,425-47.6% | $112,040-41.8% | $137,256-52.5% |
| Participation rate | 87.5% | 79.3%+8.2pp | 76.5%+11.0pp | 80.0%+7.5pp |
| Annual return | 15.29% | 24.72%-9.4pp | 24.52%-9.2pp | 220.34%-205.1pp |
| Employer contribution / active EE | $3,149 | $3,411-7.7% | $2,954+6.6% | $4,156-24.2% |
| Participant deferral / active EE | $4,813 | $5,718-15.8% | $5,098-5.6% | $6,407-24.9% |
| Admin fee / account holder | $12,605 | $15,207-17.1% | $12,098+4.2% | $12,270+2.7% |