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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 | $79,540 | $107,733-26.2% | $92,985-14.5% | $154,746-48.6% |
| Participation rate | 80.0% | 74.6%+5.4pp | 69.5%+10.5pp | 80.7%-0.7pp |
| Annual return | 19.43% | 30.39%-11.0pp | 27.99%-8.6pp | 172.34%-152.9pp |
| Employer contribution / active EE | $4,072 | $3,126+30.2% | $2,662+52.9% | $4,379-7.0% |
| Participant deferral / active EE | $4,220 | $5,053-16.5% | $4,377-3.6% | $6,730-37.3% |
| Admin fee / account holder | $544 | $11,369-95.2% | $9,463-94.3% | $14,365-96.2% |