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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 | $93,383 | $110,212-15.3% | $96,534-3.3% | $139,466-33.0% |
| Participation rate | 72.7% | 78.1%-5.4pp | 76.0%-3.3pp | 80.3%-7.6pp |
| Annual return | 15.44% | 26.42%-11.0pp | 25.88%-10.4pp | 373.66%-358.2pp |
| Employer contribution / active EE | $4,545 | $3,620+25.6% | $2,965+53.3% | $4,754-4.4% |
| Participant deferral / active EE | $4,526 | $5,547-18.4% | $4,851-6.7% | $6,712-32.6% |
| Admin fee / account holder | $2,238 | $11,599-80.7% | $8,253-72.9% | $11,409-80.4% |