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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 | $100,362 | $106,749-6.0% | $145,433-31.0% | $82,448+21.7% |
| Participation rate | 90.6% | 75.6%+15.0pp | 82.1%+8.5pp | 68.1%+22.6pp |
| Annual return | 18.39% | 27.59%-9.2pp | 66.58%-48.2pp | 41.64%-23.3pp |
| Employer contribution / active EE | $5,385 | $3,444+56.3% | $4,554+18.2% | $2,551+111.1% |
| Participant deferral / active EE | $14,080 | $6,519+116.0% | $7,897+78.3% | $4,139+240.2% |
| Admin fee / account holder | $6,697 | $8,390-20.2% | $13,129-49.0% | $7,234-7.4% |