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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 | $81,329 | $117,904-31.0% | $102,457-20.6% | $145,978-44.3% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 10.82% | 31.80%-21.0pp | 29.41%-18.6pp | 550.52%-539.7pp |
| Employer contribution / active EE | $3,730 | $3,613+3.2% | $3,022+23.4% | $4,662-20.0% |
| Participant deferral / active EE | $3,241 | $5,733-43.5% | $5,054-35.9% | $6,690-51.5% |
| Admin fee / account holder | $15,062 | $13,329+13.0% | $9,451+59.4% | $13,400+12.4% |