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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 | $107,005 | $91,179+17.4% | $178,499-40.1% | $79,852+34.0% |
| Participation rate | 88.5% | 69.2%+19.3pp | 81.9%+6.5pp | 69.6%+18.8pp |
| Annual return | 15.56% | 24.19%-8.6pp | 151.10%-135.5pp | 31.72%-16.2pp |
| Employer contribution / active EE | $6,557 | $3,256+101.4% | $5,011+30.8% | $2,471+165.4% |
| Participant deferral / active EE | $5,474 | $3,236+69.2% | $5,202+5.2% | $3,740+46.3% |
| Admin fee / account holder | $7,507 | $6,749+11.2% | $13,986-46.3% | $5,306+41.5% |