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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 | $61,518 | $77,920-21.1% | $149,723-58.9% | $75,177-18.2% |
| Participation rate | 74.2% | 65.6%+8.6pp | 78.8%-4.6pp | 67.2%+7.0pp |
| Annual return | 14.02% | 31.72%-17.7pp | 134.50%-120.5pp | 160.75%-146.7pp |
| Employer contribution / active EE | $7,178 | $3,138+128.7% | $4,821+48.9% | $2,671+168.7% |
| Participant deferral / active EE | $3,294 | $3,411-3.5% | $5,682-42.0% | $4,126-20.2% |
| Admin fee / account holder | $4,417 | $5,951-25.8% | $13,215-66.6% | $5,651-21.8% |