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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 | $79,138 | $155,555-49.1% | $146,866-46.1% | $155,188-49.0% |
| Participation rate | 85.7% | 84.0%+1.8pp | 82.5%+3.2pp | 80.8%+4.9pp |
| Annual return | 13.55% | 115.41%-101.9pp | 102.85%-89.3pp | 148.84%-135.3pp |
| Employer contribution / active EE | $3,648 | $4,647-21.5% | $4,425-17.6% | $4,248-14.1% |
| Participant deferral / active EE | $12,145 | $8,044+51.0% | $7,759+56.5% | $6,531+86.0% |
| Admin fee / account holder | $1,977 | $14,755-86.6% | $13,620-85.5% | $14,480-86.3% |