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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 | $76,910 | $62,672+22.7% | $185,117-58.5% | $70,126+9.7% |
| Participation rate | 90.7% | 63.8%+26.9pp | 77.3%+13.4pp | 69.5%+21.2pp |
| Annual return | 16.05% | 40.79%-24.7pp | 40.50%-24.4pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,232 | $1,753-29.7% | $4,182-70.5% | $2,343-47.4% |
| Participant deferral / active EE | $3,182 | $3,272-2.7% | $5,045-36.9% | $3,332-4.5% |
| Admin fee / account holder | $8,860 | $3,932+125.4% | $8,159+8.6% | $4,645+90.7% |