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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 | $72,212 | $78,670-8.2% | $109,173-33.9% | $85,847-15.9% |
| Participation rate | 78.9% | 68.3%+10.7pp | 75.9%+3.1pp | 69.3%+9.6pp |
| Annual return | 14.43% | 25.09%-10.7pp | 25.75%-11.3pp | 318.61%-304.2pp |
| Employer contribution / active EE | $7,207 | $2,734+163.6% | $3,723+93.6% | $2,565+180.9% |
| Participant deferral / active EE | $2,103 | $3,467-39.4% | $4,654-54.8% | $3,952-46.8% |
| Admin fee / account holder | $4,634 | $5,469-15.3% | $6,755-31.4% | $6,261-26.0% |