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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 | $67,697 | $91,198-25.8% | $178,503-62.1% | $79,856-15.2% |
| Participation rate | 77.1% | 69.2%+7.9pp | 81.9%-4.8pp | 69.6%+7.5pp |
| Annual return | 21.89% | 24.20%-2.3pp | 151.12%-129.2pp | 31.71%-9.8pp |
| Employer contribution / active EE | $9,256 | $3,257+184.2% | $5,011+84.7% | $2,471+274.6% |
| Participant deferral / active EE | $5,583 | $3,237+72.5% | $5,202+7.3% | $3,741+49.3% |
| Admin fee / account holder | $541 | $6,748-92.0% | $13,987-96.1% | $5,306-89.8% |