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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 | $69,123 | $51,207+35.0% | $70,565-2.0% | $75,177-8.1% |
| Participation rate | 87.8% | 61.0%+26.8pp | 68.4%+19.4pp | 67.2%+20.6pp |
| Annual return | 20.88% | 30.05%-9.2pp | 32.79%-11.9pp | 160.75%-139.9pp |
| Employer contribution / active EE | $6,624 | $1,826+262.7% | $2,976+122.6% | $2,671+148.0% |
| Participant deferral / active EE | $1,332 | $2,850-53.2% | $4,568-70.8% | $4,126-67.7% |
| Admin fee / account holder | $3,768 | $4,097-8.0% | $6,430-41.4% | $5,651-33.3% |