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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 | $81,276+40.1% | $155,574-26.8% | $80,925+40.7% |
| Participation rate | 76.6% | 66.2%+10.3pp | 78.2%-1.6pp | 67.7%+8.9pp |
| Annual return | 15.05% | 33.36%-18.3pp | 64.87%-49.8pp | 35.65%-20.6pp |
| Employer contribution / active EE | $6,077 | $3,103+95.8% | $4,676+30.0% | $2,756+120.5% |
| Participant deferral / active EE | $10,414 | $3,453+201.6% | $5,629+85.0% | $4,299+142.3% |
| Admin fee / account holder | $11,690 | $7,993+46.2% | $15,914-26.5% | $6,940+68.4% |