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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 | $77,026 | $70,435+9.4% | $96,575-20.2% | $85,856-10.3% |
| Participation rate | 70.7% | 61.8%+8.9pp | 69.8%+0.9pp | 69.3%+1.4pp |
| Annual return | 15.61% | 18.59%-3.0pp | 37.79%-22.2pp | 318.58%-303.0pp |
| Employer contribution / active EE | $3,092 | $1,413+118.8% | $2,357+31.2% | $2,565+20.5% |
| Participant deferral / active EE | $6,364 | $2,894+119.9% | $3,849+65.3% | $3,952+61.0% |
| Admin fee / account holder | $11,988 | $4,997+139.9% | $6,182+93.9% | $6,261+91.5% |