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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 | $81,472 | $136,860-40.5% | $120,344-32.3% | $154,746-47.4% |
| Participation rate | 93.3% | 79.9%+13.4pp | 76.7%+16.6pp | 80.7%+12.6pp |
| Annual return | 19.66% | 21.38%-1.7pp | 20.30%-0.6pp | 172.34%-152.7pp |
| Employer contribution / active EE | $4,729 | $3,533+33.9% | $3,020+56.6% | $4,379+8.0% |
| Participant deferral / active EE | $9,209 | $5,793+59.0% | $5,135+79.3% | $6,730+36.8% |
| Admin fee / account holder | $1,448 | $15,393-90.6% | $12,742-88.6% | $14,365-89.9% |