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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 | $77,532 | $100,970-23.2% | $96,576-19.7% | $137,256-43.5% |
| Participation rate | 75.0% | 82.6%-7.6pp | 81.4%-6.4pp | 80.0%-5.0pp |
| Annual return | 35.53% | 38.16%-2.6pp | 38.47%-2.9pp | 220.34%-184.8pp |
| Employer contribution / active EE | $6,042 | $3,809+58.6% | $3,553+70.0% | $4,156+45.4% |
| Participant deferral / active EE | $4,835 | $8,286-41.7% | $7,956-39.2% | $6,407-24.5% |
| Admin fee / account holder | $8,666 | $11,312-23.4% | $11,381-23.9% | $12,270-29.4% |