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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 | $127,818 | $228,352-44.0% | $185,835-31.2% | $158,966-19.6% |
| Participation rate | 80.0% | 82.3%-2.3pp | 78.0%+2.0pp | 82.0%-2.0pp |
| Annual return | 29.75% | 40.81%-11.1pp | 35.96%-6.2pp | 302.95%-273.2pp |
| Employer contribution / active EE | $4,414 | $4,967-11.1% | $4,087+8.0% | $4,762-7.3% |
| Participant deferral / active EE | $6,392 | $6,416-0.4% | $5,633+13.5% | $5,983+6.8% |
| Admin fee / account holder | $584 | $11,867-95.1% | $9,502-93.9% | $11,250-94.8% |