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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 | $76,396 | $77,908-1.9% | $149,696-49.0% | $75,173+1.6% |
| Participation rate | 88.0% | 65.6%+22.4pp | 78.8%+9.2pp | 67.2%+20.8pp |
| Annual return | 17.72% | 31.73%-14.0pp | 134.46%-116.7pp | 160.72%-143.0pp |
| Employer contribution / active EE | $9,561 | $3,138+204.7% | $4,821+98.3% | $2,671+258.0% |
| Participant deferral / active EE | $6,169 | $3,411+80.9% | $5,682+8.6% | $4,126+49.5% |
| Admin fee / account holder | $36,984 | $5,950+521.6% | $13,212+179.9% | $5,651+554.5% |