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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 | $100,970-41.6% | $96,576-38.9% | $137,256-57.0% |
| Participation rate | 90.9% | 82.6%+8.3pp | 81.4%+9.5pp | 80.0%+10.9pp |
| Annual return | 19.09% | 38.16%-19.1pp | 38.47%-19.4pp | 220.34%-201.2pp |
| Employer contribution / active EE | $4,333 | $3,809+13.8% | $3,553+22.0% | $4,156+4.3% |
| Participant deferral / active EE | $7,443 | $8,286-10.2% | $7,956-6.5% | $6,407+16.2% |
| Admin fee / account holder | $9,058 | $11,312-19.9% | $11,381-20.4% | $12,270-26.2% |