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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 | $91,219 | $211,239-56.8% | $178,528-48.9% | $145,877-37.5% |
| Participation rate | 83.3% | 80.8%+2.5pp | 77.1%+6.2pp | 80.3%+3.0pp |
| Annual return | 18.44% | 30.22%-11.8pp | 27.11%-8.7pp | 551.28%-532.8pp |
| Employer contribution / active EE | $4,022 | $4,570-12.0% | $3,950+1.8% | $4,663-13.7% |
| Participant deferral / active EE | $10,809 | $6,963+55.2% | $6,278+72.2% | $6,691+61.6% |
| Admin fee / account holder | $1,599 | $12,095-86.8% | $10,419-84.7% | $13,402-88.1% |