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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 | $76,721 | $147,594-48.0% | $121,871-37.0% | $198,609-61.4% |
| Participation rate | 78.6% | 78.0%+0.6pp | 73.2%+5.4pp | 82.4%-3.8pp |
| Annual return | 21.84% | 12.94%+8.9pp | 13.57%+8.3pp | 202.70%-180.9pp |
| Employer contribution / active EE | $3,135 | $3,007+4.3% | $2,731+14.8% | $5,055-38.0% |
| Participant deferral / active EE | $7,304 | $5,168+41.3% | $4,318+69.1% | $6,977+4.7% |
| Admin fee / account holder | $22,926 | $15,134+51.5% | $11,551+98.5% | $19,030+20.5% |