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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 | $79,545 | $89,367-11.0% | $141,191-43.7% | $72,975+9.0% |
| Participation rate | 89.4% | 75.1%+14.2pp | 82.5%+6.9pp | 69.5%+19.9pp |
| Annual return | 27.07% | 111.87%-84.8pp | 71.41%-44.3pp | 81.01%-53.9pp |
| Employer contribution / active EE | $4,604 | $3,115+47.8% | $4,736-2.8% | $2,440+88.7% |
| Participant deferral / active EE | $10,321 | $5,419+90.5% | $6,710+53.8% | $3,608+186.1% |
| Admin fee / account holder | $7,105 | $5,957+19.3% | $10,264-30.8% | $5,124+38.7% |