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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 | $107,809-38.3% | $97,032-31.5% | $155,188-57.2% |
| Participation rate | 84.6% | 75.5%+9.1pp | 71.6%+13.0pp | 80.8%+3.8pp |
| Annual return | 22.58% | 38.06%-15.5pp | 35.38%-12.8pp | 148.84%-126.3pp |
| Employer contribution / active EE | $4,184 | $2,911+43.7% | $2,629+59.2% | $4,248-1.5% |
| Participant deferral / active EE | $10,263 | $5,129+100.1% | $4,672+119.6% | $6,531+57.1% |
| Admin fee / account holder | $1,205 | $10,717-88.8% | $9,418-87.2% | $14,480-91.7% |