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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 | $79,140 | $110,379-28.3% | $102,412-22.7% | $145,884-45.8% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.4pp |
| Annual return | 25.39% | 24.84%+0.5pp | 24.94%+0.4pp | 551.85%-526.5pp |
| Employer contribution / active EE | $4,688 | $4,216+11.2% | $3,870+21.1% | $4,662+0.5% |
| Participant deferral / active EE | $5,225 | $5,622-7.1% | $5,060+3.3% | $6,690-21.9% |
| Admin fee / account holder | $610 | $9,745-93.7% | $8,388-92.7% | $13,392-95.4% |