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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 | $124,635 | $201,344-38.1% | $184,243-32.4% | $145,877-14.6% |
| Participation rate | 80.0% | 87.5%-7.5pp | 86.8%-6.8pp | 80.3%-0.3pp |
| Annual return | 18.26% | 29.01%-10.7pp | 28.82%-10.6pp | 551.28%-533.0pp |
| Employer contribution / active EE | $5,055 | $7,022-28.0% | $6,427-21.3% | $4,663+8.4% |
| Participant deferral / active EE | $11,267 | $9,807+14.9% | $9,132+23.4% | $6,691+68.4% |
| Admin fee / account holder | $3,081 | $16,382-81.2% | $13,914-77.9% | $13,402-77.0% |