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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 | $81,218 | $124,425-34.7% | $112,040-27.5% | $137,256-40.8% |
| Participation rate | 84.2% | 79.3%+4.9pp | 76.5%+7.7pp | 80.0%+4.3pp |
| Annual return | 15.96% | 24.72%-8.8pp | 24.52%-8.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $6,011 | $3,411+76.2% | $2,954+103.5% | $4,156+44.6% |
| Participant deferral / active EE | $9,927 | $5,718+73.6% | $5,098+94.7% | $6,407+54.9% |
| Admin fee / account holder | $12,150 | $15,207-20.1% | $12,098+0.4% | $12,270-1.0% |