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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 | $111,341 | $98,776+12.7% | $149,745-25.6% | $79,856+39.4% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.5%-2.5pp | 69.6%+10.4pp |
| Annual return | 20.04% | 27.38%-7.3pp | 276.72%-256.7pp | 31.71%-11.7pp |
| Employer contribution / active EE | $6,445 | $3,217+100.3% | $4,646+38.7% | $2,471+160.8% |
| Participant deferral / active EE | $13,029 | $5,681+129.3% | $6,843+90.4% | $3,741+248.3% |
| Admin fee / account holder | $2,773 | $6,053-54.2% | $9,312-70.2% | $5,306-47.7% |