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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 | $113,999 | $101,795+12.0% | $165,100-31.0% | $80,959+40.8% |
| Participation rate | 85.7% | 71.8%+13.9pp | 78.6%+7.1pp | 67.7%+18.0pp |
| Annual return | 13.53% | 16.73%-3.2pp | 70.21%-56.7pp | 35.67%-22.1pp |
| Employer contribution / active EE | $5,037 | $2,954+70.5% | $4,348+15.8% | $2,757+82.7% |
| Participant deferral / active EE | $15,238 | $4,476+240.4% | $6,035+152.5% | $4,300+254.3% |
| Admin fee / account holder | $13,848 | $8,221+68.4% | $12,696+9.1% | $6,925+100.0% |