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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 | $71,925 | $48,078+49.6% | $78,676-8.6% | $62,881+14.4% |
| Participation rate | 81.4% | 65.2%+16.2pp | 73.6%+7.8pp | 69.3%+12.1pp |
| Annual return | 8.05% | 31.36%-23.3pp | 62.19%-54.1pp | 20.14%-12.1pp |
| Employer contribution / active EE | $5,432 | $2,015+169.6% | $2,850+90.6% | $2,281+138.1% |
| Participant deferral / active EE | $4,406 | $2,587+70.3% | $3,517+25.3% | $3,203+37.5% |
| Admin fee / account holder | $1,172 | $3,206-63.4% | $4,510-74.0% | $4,296-72.7% |