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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 | $75,320 | $84,236-10.6% | $170,435-55.8% | $70,126+7.4% |
| Participation rate | 93.3% | 70.8%+22.5pp | 83.6%+9.7pp | 69.5%+23.8pp |
| Annual return | 17.42% | 23.06%-5.6pp | 205.94%-188.5pp | 73.15%-55.7pp |
| Employer contribution / active EE | $6,348 | $3,387+87.4% | $5,432+16.9% | $2,343+171.0% |
| Participant deferral / active EE | $4,061 | $3,086+31.6% | $4,939-17.8% | $3,332+21.9% |
| Admin fee / account holder | $654 | $5,698-88.5% | $13,881-95.3% | $4,645-85.9% |