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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 | $110,025 | $101,795+8.1% | $165,100-33.4% | $80,959+35.9% |
| Participation rate | 93.8% | 71.8%+21.9pp | 78.6%+15.1pp | 67.7%+26.1pp |
| Annual return | 13.61% | 16.73%-3.1pp | 70.21%-56.6pp | 35.67%-22.1pp |
| Employer contribution / active EE | $5,274 | $2,954+78.5% | $4,348+21.3% | $2,757+91.3% |
| Participant deferral / active EE | $11,231 | $4,476+150.9% | $6,035+86.1% | $4,300+161.2% |
| Admin fee / account holder | $8,081 | $8,221-1.7% | $12,696-36.3% | $6,925+16.7% |