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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 | $75,155 | $96,731-22.3% | $123,973-39.4% | $86,983-13.6% |
| Participation rate | 72.0% | 70.0%+2.0pp | 76.7%-4.7pp | 69.5%+2.5pp |
| Annual return | 13.85% | 17.33%-3.5pp | 388.13%-374.3pp | 25.83%-12.0pp |
| Employer contribution / active EE | $22,436 | $3,297+580.5% | $4,126+443.8% | $2,584+768.1% |
| Participant deferral / active EE | $0 | $4,152-100.0% | $5,247-100.0% | $4,194-100.0% |
| Admin fee / account holder | $8,395 | $8,722-3.8% | $11,799-28.9% | $7,856+6.9% |