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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 | $99,430 | $68,586+45.0% | $120,380-17.4% | $80,911+22.9% |
| Participation rate | 88.9% | 61.6%+27.3pp | 71.9%+17.0pp | 67.6%+21.2pp |
| Annual return | 11.95% | 23.62%-11.7pp | 107.28%-95.3pp | 35.63%-23.7pp |
| Employer contribution / active EE | $5,504 | $2,053+168.2% | $3,465+58.9% | $2,756+99.7% |
| Participant deferral / active EE | $8,877 | $3,174+179.7% | $4,992+77.8% | $4,297+106.6% |
| Admin fee / account holder | $5,611 | $5,733-2.1% | $9,421-40.4% | $6,935-19.1% |