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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 | $58,930 | $126,661-53.5% | $113,397-48.0% | $138,895-57.6% |
| Participation rate | 83.3% | 79.4%+3.9pp | 76.5%+6.8pp | 79.9%+3.4pp |
| Annual return | 19.66% | 25.05%-5.4pp | 23.20%-3.5pp | 145.39%-125.7pp |
| Employer contribution / active EE | $3,480 | $3,456+0.7% | $2,977+16.9% | $4,194-17.0% |
| Participant deferral / active EE | $7,362 | $5,693+29.3% | $5,076+45.0% | $6,396+15.1% |
| Admin fee / account holder | $437 | $14,549-97.0% | $11,957-96.3% | $12,562-96.5% |