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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 | $87,959 | $199,109-55.8% | $173,730-49.4% | $154,746-43.2% |
| Participation rate | 90.9% | 82.8%+8.1pp | 79.6%+11.3pp | 80.7%+10.2pp |
| Annual return | 18.04% | 20.02%-2.0pp | 19.96%-1.9pp | 172.34%-154.3pp |
| Employer contribution / active EE | $3,314 | $5,311-37.6% | $4,577-27.6% | $4,379-24.3% |
| Participant deferral / active EE | $4,581 | $7,113-35.6% | $6,326-27.6% | $6,730-31.9% |
| Admin fee / account holder | $1,122 | $20,916-94.6% | $17,523-93.6% | $14,365-92.2% |