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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 | $63,963 | $88,672-27.9% | $105,223-39.2% | $82,448-22.4% |
| Participation rate | 93.3% | 67.9%+25.4pp | 75.0%+18.3pp | 68.1%+25.3pp |
| Annual return | 18.36% | 30.86%-12.5pp | 180.65%-162.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $14,335 | $3,048+370.3% | $3,689+288.6% | $2,551+462.0% |
| Participant deferral / active EE | $5,831 | $4,036+44.5% | $5,072+15.0% | $4,139+40.9% |
| Admin fee / account holder | $6,714 | $7,146-6.0% | $8,859-24.2% | $7,234-7.2% |