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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 | $73,660 | $79,449-7.3% | $189,575-61.1% | $85,847-14.2% |
| Participation rate | 83.8% | 66.0%+17.8pp | 78.4%+5.3pp | 69.3%+14.5pp |
| Annual return | 31.51% | 18.45%+13.1pp | 64.19%-32.7pp | 318.61%-287.1pp |
| Employer contribution / active EE | $4,238 | $2,081+103.7% | $4,412-3.9% | $2,565+65.2% |
| Participant deferral / active EE | $7,389 | $4,051+82.4% | $6,174+19.7% | $3,952+86.9% |
| Admin fee / account holder | $4,083 | $5,377-24.1% | $9,806-58.4% | $6,261-34.8% |