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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 | $58,985 | $97,289-39.4% | $92,805-36.4% | $155,188-62.0% |
| Participation rate | 90.9% | 84.2%+6.7pp | 83.5%+7.4pp | 80.8%+10.1pp |
| Annual return | 19.09% | 29.03%-9.9pp | 31.59%-12.5pp | 148.84%-129.7pp |
| Employer contribution / active EE | $4,333 | $3,632+19.3% | $3,424+26.6% | $4,248+2.0% |
| Participant deferral / active EE | $7,443 | $8,795-15.4% | $8,448-11.9% | $6,531+14.0% |
| Admin fee / account holder | $9,058 | $12,015-24.6% | $10,911-17.0% | $14,480-37.4% |