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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 | $74,105 | $155,555-52.4% | $146,866-49.5% | $155,188-52.2% |
| Participation rate | 78.6% | 84.0%-5.4pp | 82.5%-3.9pp | 80.8%-2.2pp |
| Annual return | 20.78% | 115.41%-94.6pp | 102.85%-82.1pp | 148.84%-128.1pp |
| Employer contribution / active EE | $4,082 | $4,647-12.2% | $4,425-7.7% | $4,248-3.9% |
| Participant deferral / active EE | $8,666 | $8,044+7.7% | $7,759+11.7% | $6,531+32.7% |
| Admin fee / account holder | $1,558 | $14,755-89.4% | $13,620-88.6% | $14,480-89.2% |