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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 | $102,256 | $93,589+9.3% | $135,942-24.8% | $75,181+36.0% |
| Participation rate | 84.0% | 75.2%+8.8pp | 81.9%+2.1pp | 67.2%+16.8pp |
| Annual return | 23.06% | 30.90%-7.8pp | 68.28%-45.2pp | 160.69%-137.6pp |
| Employer contribution / active EE | $8,968 | $3,537+153.5% | $4,858+84.6% | $2,671+235.8% |
| Participant deferral / active EE | $4,247 | $6,405-33.7% | $7,759-45.3% | $4,126+2.9% |
| Admin fee / account holder | $950 | $6,977-86.4% | $10,764-91.2% | $5,650-83.2% |