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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 | $70,265 | $77,920-9.8% | $149,723-53.1% | $75,177-6.5% |
| Participation rate | 84.3% | 65.6%+18.7pp | 78.8%+5.5pp | 67.2%+17.1pp |
| Annual return | 25.95% | 31.72%-5.8pp | 134.50%-108.5pp | 160.75%-134.8pp |
| Employer contribution / active EE | $7,014 | $3,138+123.5% | $4,821+45.5% | $2,671+162.6% |
| Participant deferral / active EE | $3,142 | $3,411-7.9% | $5,682-44.7% | $4,126-23.9% |
| Admin fee / account holder | $772 | $5,951-87.0% | $13,215-94.2% | $5,651-86.3% |