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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 | $59,337 | $101,302-41.4% | $149,600-60.3% | $82,637-28.2% |
| Participation rate | 81.3% | 72.5%+8.8pp | 77.2%+4.1pp | 68.1%+13.2pp |
| Annual return | 18.08% | 21.39%-3.3pp | 129.59%-111.5pp | 53.51%-35.4pp |
| Employer contribution / active EE | $3,001 | $3,099-3.2% | $4,193-28.4% | $2,552+17.6% |
| Participant deferral / active EE | $8,392 | $5,589+50.1% | $7,203+16.5% | $4,126+103.4% |
| Admin fee / account holder | $8,712 | $8,449+3.1% | $13,963-37.6% | $7,339+18.7% |