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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 | $61,630 | $57,140+7.9% | $85,240-27.7% | $80,959-23.9% |
| Participation rate | 88.6% | 56.4%+32.2pp | 67.5%+21.1pp | 67.7%+21.0pp |
| Annual return | 15.38% | 21.71%-6.3pp | 66.75%-51.4pp | 35.67%-20.3pp |
| Employer contribution / active EE | $7,265 | $1,802+303.2% | $2,735+165.6% | $2,757+163.5% |
| Participant deferral / active EE | $11,219 | $3,115+260.1% | $4,527+147.8% | $4,300+160.9% |
| Admin fee / account holder | $1,217 | $4,992-75.6% | $6,165-80.3% | $6,925-82.4% |