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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 | $24,106 | $92,798-74.0% | $96,707-75.1% | $137,256-82.4% |
| Participation rate | 89.5% | 81.6%+7.8pp | 80.4%+9.1pp | 80.0%+9.5pp |
| Annual return | 23.04% | 31.24%-8.2pp | 34.78%-11.7pp | 220.34%-197.3pp |
| Employer contribution / active EE | $3,886 | $4,147-6.3% | $4,191-7.3% | $4,156-6.5% |
| Participant deferral / active EE | $8,119 | $5,877+38.2% | $5,997+35.4% | $6,407+26.7% |
| Admin fee / account holder | $1,948 | $7,946-75.5% | $7,503-74.0% | $12,270-84.1% |