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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 | $117,583 | $101,795+15.5% | $165,100-28.8% | $80,959+45.2% |
| Participation rate | 97.6% | 71.8%+25.8pp | 78.6%+19.0pp | 67.7%+30.0pp |
| Annual return | 15.60% | 16.73%-1.1pp | 70.21%-54.6pp | 35.67%-20.1pp |
| Employer contribution / active EE | $9,721 | $2,954+229.1% | $4,348+123.6% | $2,757+252.6% |
| Participant deferral / active EE | $10,070 | $4,476+125.0% | $6,035+66.8% | $4,300+134.2% |
| Admin fee / account holder | $5,648 | $8,221-31.3% | $12,696-55.5% | $6,925-18.4% |