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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 | $90,943 | $93,617-2.9% | $135,982-33.1% | $75,177+21.0% |
| Participation rate | 94.1% | 75.2%+18.9pp | 81.9%+12.2pp | 67.2%+26.9pp |
| Annual return | 16.20% | 30.89%-14.7pp | 68.32%-52.1pp | 160.75%-144.6pp |
| Employer contribution / active EE | $10,212 | $3,538+188.6% | $4,859+110.2% | $2,671+282.3% |
| Participant deferral / active EE | $6,365 | $6,406-0.6% | $7,760-18.0% | $4,126+54.2% |
| Admin fee / account holder | $524 | $6,980-92.5% | $10,767-95.1% | $5,651-90.7% |