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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 | $55,178 | $81,233-32.1% | $155,567-64.5% | $80,874-31.8% |
| Participation rate | 85.7% | 66.2%+19.5pp | 78.2%+7.5pp | 67.6%+18.1pp |
| Annual return | 14.54% | 33.33%-18.8pp | 64.74%-50.2pp | 35.62%-21.1pp |
| Employer contribution / active EE | $7,481 | $3,101+141.3% | $4,674+60.1% | $2,756+171.5% |
| Participant deferral / active EE | $5,595 | $3,452+62.1% | $5,628-0.6% | $4,297+30.2% |
| Admin fee / account holder | $1,894 | $7,998-76.3% | $15,916-88.1% | $6,935-72.7% |