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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 | $115,314 | $174,379-33.9% | $152,093-24.2% | $138,895-17.0% |
| Participation rate | 75.0% | 81.6%-6.6pp | 77.8%-2.8pp | 79.9%-4.9pp |
| Annual return | 18.18% | 74.86%-56.7pp | 66.36%-48.2pp | 145.39%-127.2pp |
| Employer contribution / active EE | $4,906 | $4,652+5.5% | $4,175+17.5% | $4,194+17.0% |
| Participant deferral / active EE | $12,103 | $6,159+96.5% | $5,451+122.0% | $6,396+89.2% |
| Admin fee / account holder | $1,008 | $16,880-94.0% | $14,497-93.0% | $12,562-92.0% |