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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 | $65,207 | $126,661-48.5% | $113,397-42.5% | $138,895-53.1% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.5%+11.0pp | 79.9%+7.6pp |
| Annual return | 15.29% | 25.05%-9.8pp | 23.20%-7.9pp | 145.39%-130.1pp |
| Employer contribution / active EE | $3,149 | $3,456-8.9% | $2,977+5.8% | $4,194-24.9% |
| Participant deferral / active EE | $4,813 | $5,693-15.5% | $5,076-5.2% | $6,396-24.8% |
| Admin fee / account holder | $12,605 | $14,549-13.4% | $11,957+5.4% | $12,562+0.3% |