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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 | $102,989 | $93,598+10.0% | $135,974-24.3% | $75,173+37.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 19.41% | 30.89%-11.5pp | 68.30%-48.9pp | 160.72%-141.3pp |
| Employer contribution / active EE | $5,885 | $3,538+66.3% | $4,859+21.1% | $2,671+120.3% |
| Participant deferral / active EE | $10,599 | $6,405+65.5% | $7,760+36.6% | $4,126+156.9% |
| Admin fee / account holder | $12,288 | $6,978+76.1% | $10,767+14.1% | $5,651+117.5% |