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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 | $92,042 | $93,589-1.7% | $135,942-32.3% | $75,181+22.4% |
| Participation rate | 80.6% | 75.2%+5.5pp | 81.9%-1.3pp | 67.2%+13.4pp |
| Annual return | 20.41% | 30.90%-10.5pp | 68.28%-47.9pp | 160.69%-140.3pp |
| Employer contribution / active EE | $7,346 | $3,537+107.7% | $4,858+51.2% | $2,671+175.1% |
| Participant deferral / active EE | $10,674 | $6,405+66.6% | $7,759+37.6% | $4,126+158.7% |
| Admin fee / account holder | $18,430 | $6,977+164.1% | $10,764+71.2% | $5,650+226.2% |