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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 | $71,226 | $65,034+9.5% | $90,970-21.7% | $79,856-10.8% |
| Participation rate | 76.2% | 61.6%+14.6pp | 69.0%+7.2pp | 69.6%+6.5pp |
| Annual return | 16.00% | 30.45%-14.5pp | 134.60%-118.6pp | 31.71%-15.7pp |
| Employer contribution / active EE | $1,652 | $1,247+32.4% | $2,122-22.2% | $2,471-33.2% |
| Participant deferral / active EE | $4,639 | $2,512+84.7% | $3,373+37.5% | $3,741+24.0% |
| Admin fee / account holder | $3,784 | $4,536-16.6% | $5,961-36.5% | $5,306-28.7% |