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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 | $102,119 | $147,594-30.8% | $121,871-16.2% | $198,609-48.6% |
| Participation rate | 75.0% | 78.0%-3.0pp | 73.2%+1.8pp | 82.4%-7.4pp |
| Annual return | 18.03% | 12.94%+5.1pp | 13.57%+4.5pp | 202.70%-184.7pp |
| Employer contribution / active EE | $4,130 | $3,007+37.3% | $2,731+51.2% | $5,055-18.3% |
| Participant deferral / active EE | $4,466 | $5,168-13.6% | $4,318+3.4% | $6,977-36.0% |
| Admin fee / account holder | $4,612 | $15,134-69.5% | $11,551-60.1% | $19,030-75.8% |