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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 | $68,380 | $73,978-7.6% | $96,515-29.2% | $75,173-9.0% |
| Participation rate | 86.9% | 66.4%+20.5pp | 74.3%+12.5pp | 67.2%+19.7pp |
| Annual return | 15.41% | 26.72%-11.3pp | 35.73%-20.3pp | 160.72%-145.3pp |
| Employer contribution / active EE | $7,034 | $2,931+140.0% | $3,740+88.1% | $2,671+163.4% |
| Participant deferral / active EE | $2,717 | $3,660-25.8% | $4,880-44.3% | $4,126-34.1% |
| Admin fee / account holder | $9,034 | $5,219+73.1% | $6,735+34.1% | $5,651+59.9% |