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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 | $40,432 | $154,228-73.8% | $145,433-72.2% | $137,256-70.5% |
| Participation rate | 92.3% | 83.8%+8.5pp | 82.1%+10.2pp | 80.0%+12.3pp |
| Annual return | 20.74% | 74.59%-53.8pp | 66.58%-45.8pp | 220.34%-199.6pp |
| Employer contribution / active EE | $4,163 | $4,804-13.3% | $4,554-8.6% | $4,156+0.2% |
| Participant deferral / active EE | $8,725 | $8,216+6.2% | $7,897+10.5% | $6,407+36.2% |
| Admin fee / account holder | $5,416 | $14,344-62.2% | $13,129-58.8% | $12,270-55.9% |