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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 | $57,394 | $136,860-58.1% | $120,344-52.3% | $154,746-62.9% |
| Participation rate | 86.4% | 79.9%+6.5pp | 76.7%+9.7pp | 80.7%+5.7pp |
| Annual return | 18.80% | 21.38%-2.6pp | 20.30%-1.5pp | 172.34%-153.5pp |
| Employer contribution / active EE | $2,632 | $3,533-25.5% | $3,020-12.8% | $4,379-39.9% |
| Participant deferral / active EE | $3,951 | $5,793-31.8% | $5,135-23.1% | $6,730-41.3% |
| Admin fee / account holder | $2,999 | $15,393-80.5% | $12,742-76.5% | $14,365-79.1% |