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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 | $124,980-47.9% | $108,359-39.9% | $154,746-57.9% |
| Participation rate | 83.3% | 75.2%+8.2pp | 70.1%+13.2pp | 80.7%+2.6pp |
| Annual return | 15.33% | 45.00%-29.7pp | 36.89%-21.6pp | 172.34%-157.0pp |
| Employer contribution / active EE | $3,079 | $2,851+8.0% | $2,399+28.3% | $4,379-29.7% |
| Participant deferral / active EE | $4,539 | $4,743-4.3% | $4,137+9.7% | $6,730-32.6% |
| Admin fee / account holder | $10,039 | $11,502-12.7% | $9,741+3.1% | $14,365-30.1% |