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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 | $41,222 | $124,425-66.9% | $112,040-63.2% | $137,256-70.0% |
| Participation rate | 95.8% | 79.3%+16.5pp | 76.5%+19.3pp | 80.0%+15.9pp |
| Annual return | 16.77% | 24.72%-7.9pp | 24.52%-7.7pp | 220.34%-203.6pp |
| Employer contribution / active EE | $878 | $3,411-74.3% | $2,954-70.3% | $4,156-78.9% |
| Participant deferral / active EE | $4,416 | $5,718-22.8% | $5,098-13.4% | $6,407-31.1% |
| Admin fee / account holder | $4,201 | $15,207-72.4% | $12,098-65.3% | $12,270-65.8% |