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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 | $71,601 | $81,331-12.0% | $155,534-54.0% | $80,935-11.5% |
| Participation rate | 71.4% | 66.3%+5.2pp | 78.2%-6.8pp | 67.7%+3.8pp |
| Annual return | 16.79% | 33.37%-16.6pp | 64.92%-48.1pp | 35.66%-18.9pp |
| Employer contribution / active EE | $7,192 | $3,105+131.7% | $4,675+53.9% | $2,757+160.9% |
| Participant deferral / active EE | $4,901 | $3,454+41.9% | $5,630-13.0% | $4,299+14.0% |
| Admin fee / account holder | $6,088 | $7,999-23.9% | $15,900-61.7% | $6,924-12.1% |