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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 | $77,362 | $65,027+19.0% | $90,970-15.0% | $79,852-3.1% |
| Participation rate | 77.8% | 61.6%+16.2pp | 69.0%+8.8pp | 69.6%+8.1pp |
| Annual return | 16.35% | 30.45%-14.1pp | 134.58%-118.2pp | 31.72%-15.4pp |
| Employer contribution / active EE | $2,370 | $1,247+90.0% | $2,122+11.6% | $2,471-4.1% |
| Participant deferral / active EE | $5,710 | $2,512+127.3% | $3,373+69.3% | $3,740+52.7% |
| Admin fee / account holder | $15,279 | $4,535+236.9% | $5,960+156.4% | $5,306+187.9% |