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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 | $110,335 | $126,661-12.9% | $113,397-2.7% | $138,895-20.6% |
| Participation rate | 76.2% | 79.4%-3.2pp | 76.5%-0.3pp | 79.9%-3.7pp |
| Annual return | 15.58% | 25.05%-9.5pp | 23.20%-7.6pp | 145.39%-129.8pp |
| Employer contribution / active EE | $5,629 | $3,456+62.9% | $2,977+89.1% | $4,194+34.2% |
| Participant deferral / active EE | $8,779 | $5,693+54.2% | $5,076+72.9% | $6,396+37.3% |
| Admin fee / account holder | $4,765 | $14,549-67.3% | $11,957-60.2% | $12,562-62.1% |