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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 | $74,891 | $76,407-2.0% | $150,298-50.2% | $82,448-9.2% |
| Participation rate | 80.0% | 66.4%+13.6pp | 77.8%+2.2pp | 68.1%+11.9pp |
| Annual return | 18.26% | 39.99%-21.7pp | 62.79%-44.5pp | 41.64%-23.4pp |
| Employer contribution / active EE | $6,374 | $2,614+143.8% | $4,154+53.4% | $2,551+149.9% |
| Participant deferral / active EE | $5,344 | $3,214+66.3% | $5,453-2.0% | $4,139+29.1% |
| Admin fee / account holder | $691 | $6,352-89.1% | $14,116-95.1% | $7,234-90.4% |