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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 | $126,661-35.7% | $113,397-28.2% | $138,895-41.3% |
| Participation rate | 93.3% | 79.4%+13.9pp | 76.5%+16.8pp | 79.9%+13.4pp |
| Annual return | 19.66% | 25.05%-5.4pp | 23.20%-3.5pp | 145.39%-125.7pp |
| Employer contribution / active EE | $4,729 | $3,456+36.8% | $2,977+58.9% | $4,194+12.8% |
| Participant deferral / active EE | $9,209 | $5,693+61.8% | $5,076+81.4% | $6,396+44.0% |
| Admin fee / account holder | $1,448 | $14,549-90.0% | $11,957-87.9% | $12,562-88.5% |