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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 | $107,666-33.2% | $102,184-29.6% | $154,746-53.5% |
| Participation rate | 75.0% | 83.7%-8.7pp | 82.6%-7.6pp | 80.7%-5.7pp |
| Annual return | 20.00% | 29.33%-9.3pp | 31.58%-11.6pp | 172.34%-152.3pp |
| Employer contribution / active EE | $4,800 | $3,846+24.8% | $3,594+33.6% | $4,379+9.6% |
| Participant deferral / active EE | $15,834 | $8,719+81.6% | $8,309+90.6% | $6,730+135.3% |
| Admin fee / account holder | $13,783 | $12,943+6.5% | $11,609+18.7% | $14,365-4.1% |