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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 | $68,715 | $93,345-26.4% | $119,126-42.3% | $87,485-21.5% |
| Participation rate | 70.0% | 68.7%+1.3pp | 75.8%-5.8pp | 68.9%+1.1pp |
| Annual return | 29.94% | 19.08%+10.9pp | 282.11%-252.2pp | 26.06%+3.9pp |
| Employer contribution / active EE | $3,207 | $3,172+1.1% | $4,034-20.5% | $2,596+23.5% |
| Participant deferral / active EE | $7,725 | $4,099+88.5% | $5,318+45.3% | $4,274+80.8% |
| Admin fee / account holder | $6,436 | $8,039-19.9% | $10,693-39.8% | $7,775-17.2% |