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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 | $39,851 | $107,809-63.0% | $97,032-58.9% | $155,188-74.3% |
| Participation rate | 70.0% | 75.5%-5.5pp | 71.6%-1.6pp | 80.8%-10.8pp |
| Annual return | 14.95% | 38.06%-23.1pp | 35.38%-20.4pp | 148.84%-133.9pp |
| Employer contribution / active EE | $3,620 | $2,911+24.4% | $2,629+37.7% | $4,248-14.8% |
| Participant deferral / active EE | $8,762 | $5,129+70.8% | $4,672+87.5% | $6,531+34.2% |
| Admin fee / account holder | $13,834 | $10,717+29.1% | $9,418+46.9% | $14,480-4.5% |