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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 | $65,447 | $110,240-40.6% | $96,544-32.2% | $139,487-53.1% |
| Participation rate | 92.3% | 78.1%+14.2pp | 76.0%+16.3pp | 80.3%+12.0pp |
| Annual return | 10.07% | 26.41%-16.3pp | 25.88%-15.8pp | 373.84%-363.8pp |
| Employer contribution / active EE | $4,526 | $3,622+24.9% | $2,966+52.6% | $4,755-4.8% |
| Participant deferral / active EE | $5,686 | $5,549+2.5% | $4,851+17.2% | $6,713-15.3% |
| Admin fee / account holder | $5,069 | $11,602-56.3% | $8,254-38.6% | $11,407-55.6% |