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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 | $65,094 | $112,729-42.3% | $98,716-34.1% | $137,256-52.6% |
| Participation rate | 83.3% | 74.2%+9.1pp | 69.3%+14.0pp | 80.0%+3.4pp |
| Annual return | 15.33% | 38.48%-23.1pp | 31.81%-16.5pp | 220.34%-205.0pp |
| Employer contribution / active EE | $3,079 | $2,725+13.0% | $2,279+35.1% | $4,156-25.9% |
| Participant deferral / active EE | $4,539 | $4,640-2.2% | $4,048+12.1% | $6,407-29.2% |
| Admin fee / account holder | $10,039 | $10,129-0.9% | $8,703+15.4% | $12,270-18.2% |