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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 | $69,243 | $69,977-1.0% | $108,582-36.2% | $62,881+10.1% |
| Participation rate | 94.3% | 72.9%+21.4pp | 79.6%+14.7pp | 69.3%+25.0pp |
| Annual return | 5.44% | 10.73%-5.3pp | -51.70%+57.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $7,241 | $2,135+239.2% | $3,758+92.7% | $2,281+217.5% |
| Participant deferral / active EE | $7,326 | $3,165+131.5% | $4,311+69.9% | $3,203+128.7% |
| Admin fee / account holder | $4,961 | $5,076-2.3% | $7,645-35.1% | $4,296+15.5% |