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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 | $83,757 | $126,661-33.9% | $113,397-26.1% | $138,895-39.7% |
| Participation rate | 86.4% | 79.4%+6.9pp | 76.5%+9.9pp | 79.9%+6.4pp |
| Annual return | 16.45% | 25.05%-8.6pp | 23.20%-6.8pp | 145.39%-128.9pp |
| Employer contribution / active EE | $4,758 | $3,456+37.7% | $2,977+59.8% | $4,194+13.4% |
| Participant deferral / active EE | $5,145 | $5,693-9.6% | $5,076+1.4% | $6,396-19.6% |
| Admin fee / account holder | $2,652 | $14,549-81.8% | $11,957-77.8% | $12,562-78.9% |