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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 | $76,077 | $117,846-35.4% | $102,434-25.7% | $145,884-47.9% |
| Participation rate | 83.3% | 78.6%+4.7pp | 76.5%+6.8pp | 80.3%+3.0pp |
| Annual return | 20.87% | 31.90%-11.0pp | 29.46%-8.6pp | 551.85%-531.0pp |
| Employer contribution / active EE | $3,241 | $3,615-10.3% | $3,023+7.2% | $4,662-30.5% |
| Participant deferral / active EE | $8,945 | $5,733+56.0% | $5,055+77.0% | $6,690+33.7% |
| Admin fee / account holder | $2,545 | $13,356-80.9% | $9,462-73.1% | $13,392-81.0% |