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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 | $76,712 | $199,109-61.5% | $173,730-55.8% | $154,746-50.4% |
| Participation rate | 73.3% | 82.8%-9.5pp | 79.6%-6.2pp | 80.7%-7.4pp |
| Annual return | 13.22% | 20.02%-6.8pp | 19.96%-6.7pp | 172.34%-159.1pp |
| Employer contribution / active EE | $8,065 | $5,311+51.8% | $4,577+76.2% | $4,379+84.2% |
| Participant deferral / active EE | $5,417 | $7,113-23.8% | $6,326-14.4% | $6,730-19.5% |
| Admin fee / account holder | $10,710 | $20,916-48.8% | $17,523-38.9% | $14,365-25.4% |