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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 | $83,946 | $93,617-10.3% | $135,982-38.3% | $75,177+11.7% |
| Participation rate | 96.6% | 75.2%+21.4pp | 81.9%+14.6pp | 67.2%+29.3pp |
| Annual return | 19.66% | 30.89%-11.2pp | 68.32%-48.7pp | 160.75%-141.1pp |
| Employer contribution / active EE | $7,123 | $3,538+101.3% | $4,859+46.6% | $2,671+166.7% |
| Participant deferral / active EE | $3,441 | $6,406-46.3% | $7,760-55.7% | $4,126-16.6% |
| Admin fee / account holder | $1,104 | $6,980-84.2% | $10,767-89.8% | $5,651-80.5% |