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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 | $113,901 | $81,331+40.0% | $155,534-26.8% | $80,935+40.7% |
| Participation rate | 76.6% | 66.3%+10.3pp | 78.2%-1.6pp | 67.7%+8.9pp |
| Annual return | 15.05% | 33.37%-18.3pp | 64.92%-49.9pp | 35.66%-20.6pp |
| Employer contribution / active EE | $6,077 | $3,105+95.7% | $4,675+30.0% | $2,757+120.4% |
| Participant deferral / active EE | $10,414 | $3,454+201.5% | $5,630+85.0% | $4,299+142.2% |
| Admin fee / account holder | $11,690 | $7,999+46.1% | $15,900-26.5% | $6,924+68.8% |