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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 | $114,880 | $143,969-20.2% | $199,883-42.5% | $82,637+39.0% |
| Participation rate | 92.9% | 84.1%+8.7pp | 86.8%+6.1pp | 68.1%+24.8pp |
| Annual return | 35.22% | 25.67%+9.6pp | 43.81%-8.6pp | 53.51%-18.3pp |
| Employer contribution / active EE | $5,898 | $4,632+27.3% | $6,261-5.8% | $2,552+131.1% |
| Participant deferral / active EE | $13,719 | $6,937+97.8% | $9,138+50.1% | $4,126+232.5% |
| Admin fee / account holder | $12,595 | $14,597-13.7% | $17,268-27.1% | $7,339+71.6% |