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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 | $107,913 | $99,875+8.0% | $146,866-26.5% | $86,983+24.1% |
| Participation rate | 96.3% | 75.8%+20.5pp | 82.5%+13.8pp | 69.5%+26.8pp |
| Annual return | 17.90% | 28.10%-10.2pp | 102.85%-85.0pp | 25.83%-7.9pp |
| Employer contribution / active EE | $6,430 | $3,224+99.4% | $4,425+45.3% | $2,584+148.8% |
| Participant deferral / active EE | $8,034 | $6,322+27.1% | $7,759+3.5% | $4,194+91.6% |
| Admin fee / account holder | $10,213 | $7,838+30.3% | $13,620-25.0% | $7,856+30.0% |