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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 | $66,470 | $147,556-55.0% | $129,031-48.5% | $198,609-66.5% |
| Participation rate | 84.6% | 77.2%+7.4pp | 73.4%+11.3pp | 82.4%+2.2pp |
| Annual return | 22.58% | 37.41%-14.8pp | 34.67%-12.1pp | 202.70%-180.1pp |
| Employer contribution / active EE | $4,184 | $3,645+14.8% | $3,226+29.7% | $5,055-17.2% |
| Participant deferral / active EE | $10,263 | $5,760+78.2% | $5,217+96.7% | $6,977+47.1% |
| Admin fee / account holder | $1,205 | $15,467-92.2% | $13,208-90.9% | $19,030-93.7% |