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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 | $87,248 | $89,364-2.4% | $141,177-38.2% | $72,983+19.5% |
| Participation rate | 85.2% | 75.1%+10.1pp | 82.5%+2.7pp | 69.5%+15.7pp |
| Annual return | 27.33% | 111.86%-84.5pp | 71.40%-44.1pp | 81.01%-53.7pp |
| Employer contribution / active EE | $6,242 | $3,115+100.4% | $4,736+31.8% | $2,440+155.8% |
| Participant deferral / active EE | $11,918 | $5,419+119.9% | $6,710+77.6% | $3,608+230.4% |
| Admin fee / account holder | $3,041 | $5,959-49.0% | $10,263-70.4% | $5,124-40.7% |