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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 | $77,063 | $110,212-30.1% | $96,534-20.2% | $139,466-44.7% |
| Participation rate | 87.5% | 78.1%+9.4pp | 76.0%+11.5pp | 80.3%+7.2pp |
| Annual return | 17.23% | 26.42%-9.2pp | 25.88%-8.7pp | 373.66%-356.4pp |
| Employer contribution / active EE | $5,480 | $3,620+51.4% | $2,965+84.8% | $4,754+15.3% |
| Participant deferral / active EE | $5,991 | $5,547+8.0% | $4,851+23.5% | $6,712-10.7% |
| Admin fee / account holder | $8,897 | $11,599-23.3% | $8,253+7.8% | $11,409-22.0% |