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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 | $103,165 | $107,421-4.0% | $182,262-43.4% | $94,015+9.7% |
| Participation rate | 96.7% | 77.8%+18.9pp | 84.2%+12.5pp | 70.8%+25.8pp |
| Annual return | 13.14% | 21.32%-8.2pp | 140.60%-127.5pp | 17.84%-4.7pp |
| Employer contribution / active EE | $4,233 | $3,448+22.8% | $5,046-16.1% | $2,790+51.7% |
| Participant deferral / active EE | $10,993 | $6,558+67.6% | $8,276+32.8% | $4,249+158.7% |
| Admin fee / account holder | $10,879 | $8,692+25.2% | $16,712-34.9% | $8,951+21.5% |