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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 | $75,915 | $101,795-25.4% | $165,100-54.0% | $80,959-6.2% |
| Participation rate | 90.7% | 71.8%+18.9pp | 78.6%+12.1pp | 67.7%+23.1pp |
| Annual return | 13.89% | 16.73%-2.8pp | 70.21%-56.3pp | 35.67%-21.8pp |
| Employer contribution / active EE | $11,207 | $2,954+279.4% | $4,348+157.8% | $2,757+306.5% |
| Participant deferral / active EE | $4,458 | $4,476-0.4% | $6,035-26.1% | $4,300+3.7% |
| Admin fee / account holder | $3,572 | $8,221-56.5% | $12,696-71.9% | $6,925-48.4% |