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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 | $72,728 | $117,904-38.3% | $102,457-29.0% | $145,978-50.2% |
| Participation rate | 85.7% | 78.6%+7.1pp | 76.5%+9.2pp | 80.3%+5.4pp |
| Annual return | 25.59% | 31.80%-6.2pp | 29.41%-3.8pp | 550.52%-524.9pp |
| Employer contribution / active EE | $3,141 | $3,613-13.1% | $3,022+3.9% | $4,662-32.6% |
| Participant deferral / active EE | $10,241 | $5,733+78.6% | $5,054+102.6% | $6,690+53.1% |
| Admin fee / account holder | $886 | $13,329-93.4% | $9,451-90.6% | $13,400-93.4% |