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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 | $84,438 | $115,911-27.2% | $100,530-16.0% | $158,950-46.9% |
| Participation rate | 76.5% | 81.6%-5.1pp | 79.4%-2.9pp | 82.0%-5.5pp |
| Annual return | 19.01% | 34.80%-15.8pp | 30.89%-11.9pp | 302.91%-283.9pp |
| Employer contribution / active EE | $4,295 | $4,104+4.7% | $3,418+25.7% | $4,762-9.8% |
| Participant deferral / active EE | $6,558 | $6,676-1.8% | $6,271+4.6% | $5,983+9.6% |
| Admin fee / account holder | $5,641 | $10,999-48.7% | $8,083-30.2% | $11,248-49.9% |