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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 | $69,931 | $77,638-9.9% | $156,551-55.3% | $62,881+11.2% |
| Participation rate | 71.4% | 71.2%+0.2pp | 84.0%-12.6pp | 69.3%+2.1pp |
| Annual return | 6.81% | 50.33%-43.5pp | 32.23%-25.4pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,714 | $3,444-50.2% | $5,501-68.8% | $2,281-24.9% |
| Participant deferral / active EE | $3,769 | $3,046+23.8% | $4,871-22.6% | $3,203+17.7% |
| Admin fee / account holder | $7,335 | $5,561+31.9% | $13,028-43.7% | $4,296+70.7% |