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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 | $100,970-28.8% | $96,576-25.5% | $137,256-47.6% |
| Participation rate | 75.0% | 82.6%-7.6pp | 81.4%-6.4pp | 80.0%-5.0pp |
| Annual return | 20.00% | 38.16%-18.2pp | 38.47%-18.5pp | 220.34%-200.3pp |
| Employer contribution / active EE | $4,800 | $3,809+26.0% | $3,553+35.1% | $4,156+15.5% |
| Participant deferral / active EE | $15,834 | $8,286+91.1% | $7,956+99.0% | $6,407+147.1% |
| Admin fee / account holder | $13,783 | $11,312+21.8% | $11,381+21.1% | $12,270+12.3% |