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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 | $67,770 | $77,638-12.7% | $156,551-56.7% | $62,881+7.8% |
| Participation rate | 80.0% | 71.2%+8.8pp | 84.0%-4.0pp | 69.3%+10.7pp |
| Annual return | 9.29% | 50.33%-41.0pp | 32.23%-22.9pp | 20.14%-10.9pp |
| Employer contribution / active EE | $7,671 | $3,444+122.8% | $5,501+39.4% | $2,281+236.3% |
| Participant deferral / active EE | $3,280 | $3,046+7.7% | $4,871-32.7% | $3,203+2.4% |
| Admin fee / account holder | $1,665 | $5,561-70.1% | $13,028-87.2% | $4,296-61.2% |