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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 | $63,994 | $115,911-44.8% | $100,530-36.3% | $158,950-59.7% |
| Participation rate | 87.5% | 81.6%+5.9pp | 79.4%+8.1pp | 82.0%+5.5pp |
| Annual return | 28.90% | 34.80%-5.9pp | 30.89%-2.0pp | 302.91%-274.0pp |
| Employer contribution / active EE | $4,721 | $4,104+15.0% | $3,418+38.1% | $4,762-0.9% |
| Participant deferral / active EE | $5,746 | $6,676-13.9% | $6,271-8.4% | $5,983-4.0% |
| Admin fee / account holder | $2,232 | $10,999-79.7% | $8,083-72.4% | $11,248-80.2% |