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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 | $92,480 | $93,598-1.2% | $135,974-32.0% | $75,173+23.0% |
| Participation rate | 93.3% | 75.2%+18.1pp | 81.9%+11.4pp | 67.2%+26.1pp |
| Annual return | 18.24% | 30.89%-12.6pp | 68.30%-50.1pp | 160.72%-142.5pp |
| Employer contribution / active EE | $13,415 | $3,538+279.2% | $4,859+176.1% | $2,671+402.3% |
| Participant deferral / active EE | $12,612 | $6,405+96.9% | $7,760+62.5% | $4,126+205.6% |
| Admin fee / account holder | $9,124 | $6,978+30.8% | $10,767-15.3% | $5,651+61.5% |