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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 | $92,036 | $93,589-1.7% | $135,942-32.3% | $75,181+22.4% |
| Participation rate | 76.7% | 75.2%+1.5pp | 81.9%-5.2pp | 67.2%+9.5pp |
| Annual return | 19.99% | 30.90%-10.9pp | 68.28%-48.3pp | 160.69%-140.7pp |
| Employer contribution / active EE | $3,656 | $3,537+3.3% | $4,858-24.7% | $2,671+36.9% |
| Participant deferral / active EE | $9,326 | $6,405+45.6% | $7,759+20.2% | $4,126+126.0% |
| Admin fee / account holder | $5,680 | $6,977-18.6% | $10,764-47.2% | $5,650+0.5% |