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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 | $104,507 | $81,276+28.6% | $155,574-32.8% | $80,925+29.1% |
| Participation rate | 85.2% | 66.2%+18.9pp | 78.2%+7.0pp | 67.7%+17.5pp |
| Annual return | 11.19% | 33.36%-22.2pp | 64.87%-53.7pp | 35.65%-24.5pp |
| Employer contribution / active EE | $6,243 | $3,103+101.2% | $4,676+33.5% | $2,756+126.5% |
| Participant deferral / active EE | $4,227 | $3,453+22.4% | $5,629-24.9% | $4,299-1.7% |
| Admin fee / account holder | $10,739 | $7,993+34.3% | $15,914-32.5% | $6,940+54.7% |