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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 | $77,619 | $117,904-34.2% | $102,457-24.2% | $145,978-46.8% |
| Participation rate | 71.4% | 78.6%-7.2pp | 76.5%-5.1pp | 80.3%-8.9pp |
| Annual return | 13.12% | 31.80%-18.7pp | 29.41%-16.3pp | 550.52%-537.4pp |
| Employer contribution / active EE | $3,138 | $3,613-13.2% | $3,022+3.8% | $4,662-32.7% |
| Participant deferral / active EE | $7,541 | $5,733+31.5% | $5,054+49.2% | $6,690+12.7% |
| Admin fee / account holder | $10,318 | $13,329-22.6% | $9,451+9.2% | $13,400-23.0% |