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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 | $109,456 | $201,372-45.6% | $184,260-40.6% | $145,884-25.0% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 9.83% | 29.04%-19.2pp | 28.84%-19.0pp | 551.85%-542.0pp |
| Employer contribution / active EE | $10,958 | $7,024+56.0% | $6,427+70.5% | $4,662+135.0% |
| Participant deferral / active EE | $14,745 | $9,808+50.3% | $9,133+61.4% | $6,690+120.4% |
| Admin fee / account holder | $441 | $16,362-97.3% | $13,898-96.8% | $13,392-96.7% |