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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 | $66,651 | $161,352-58.7% | $134,172-50.3% | $137,256-51.4% |
| Participation rate | 81.8% | 78.3%+3.5pp | 72.5%+9.4pp | 80.0%+1.9pp |
| Annual return | 10.23% | 28.72%-18.5pp | 25.30%-15.1pp | 220.34%-210.1pp |
| Employer contribution / active EE | $4,622 | $4,099+12.8% | $3,420+35.2% | $4,156+11.2% |
| Participant deferral / active EE | $9,643 | $5,552+73.7% | $4,690+105.6% | $6,407+50.5% |
| Admin fee / account holder | $4,679 | $15,028-68.9% | $12,016-61.1% | $12,270-61.9% |