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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 | $126,661-35.9% | $113,397-28.4% | $138,895-41.5% |
| Participation rate | 84.2% | 79.4%+4.8pp | 76.5%+7.7pp | 79.9%+4.3pp |
| Annual return | 15.96% | 25.05%-9.1pp | 23.20%-7.2pp | 145.39%-129.4pp |
| Employer contribution / active EE | $6,011 | $3,456+73.9% | $2,977+101.9% | $4,194+43.3% |
| Participant deferral / active EE | $9,927 | $5,693+74.4% | $5,076+95.5% | $6,396+55.2% |
| Admin fee / account holder | $12,150 | $14,549-16.5% | $11,957+1.6% | $12,562-3.3% |