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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 | $71,930 | $135,905-47.1% | $126,068-42.9% | $198,609-63.8% |
| Participation rate | 75.0% | 85.6%-10.6pp | 84.7%-9.7pp | 82.4%-7.4pp |
| Annual return | 20.00% | 14.07%+5.9pp | 15.01%+5.0pp | 202.70%-182.7pp |
| Employer contribution / active EE | $4,800 | $4,245+13.1% | $3,968+21.0% | $5,055-5.1% |
| Participant deferral / active EE | $15,834 | $8,523+85.8% | $8,214+92.8% | $6,977+127.0% |
| Admin fee / account holder | $13,783 | $21,036-34.5% | $18,264-24.5% | $19,030-27.6% |