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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 | $63,388 | $124,351-49.0% | $109,188-41.9% | $167,553-62.2% |
| Participation rate | 86.7% | 79.4%+7.2pp | 75.9%+10.8pp | 82.1%+4.6pp |
| Annual return | 16.08% | 26.04%-10.0pp | 25.76%-9.7pp | 478.89%-462.8pp |
| Employer contribution / active EE | $7,454 | $4,210+77.1% | $3,723+100.2% | $4,840+54.0% |
| Participant deferral / active EE | $3,636 | $5,257-30.8% | $4,654-21.9% | $6,343-42.7% |
| Admin fee / account holder | $4,452 | $7,975-44.2% | $6,755-34.1% | $12,316-63.9% |