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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 | $97,077 | $108,825-10.8% | $156,181-37.8% | $82,448+17.7% |
| Participation rate | 92.3% | 72.4%+19.9pp | 78.8%+13.5pp | 68.1%+24.2pp |
| Annual return | 16.02% | 20.59%-4.6pp | 64.87%-48.9pp | 41.64%-25.6pp |
| Employer contribution / active EE | $6,678 | $2,870+132.7% | $4,294+55.5% | $2,551+161.8% |
| Participant deferral / active EE | $10,336 | $4,577+125.8% | $6,132+68.5% | $4,139+149.7% |
| Admin fee / account holder | $38,951 | $9,341+317.0% | $14,586+167.0% | $7,234+438.4% |