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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 | $60,824 | $97,289-37.5% | $92,805-34.5% | $155,188-60.8% |
| Participation rate | 87.5% | 84.2%+3.3pp | 83.5%+4.0pp | 80.8%+6.7pp |
| Annual return | 15.75% | 29.03%-13.3pp | 31.59%-15.8pp | 148.84%-133.1pp |
| Employer contribution / active EE | $4,490 | $3,632+23.6% | $3,424+31.1% | $4,248+5.7% |
| Participant deferral / active EE | $6,653 | $8,795-24.4% | $8,448-21.2% | $6,531+1.9% |
| Admin fee / account holder | $9,750 | $12,015-18.9% | $10,911-10.6% | $14,480-32.7% |