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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 | $196,647 | $106,247+85.1% | $96,515+103.7% | $139,466+41.0% |
| Participation rate | 84.2% | 77.8%+6.4pp | 74.3%+9.9pp | 80.3%+3.9pp |
| Annual return | 15.90% | 38.47%-22.6pp | 35.73%-19.8pp | 373.66%-357.8pp |
| Employer contribution / active EE | $12,496 | $4,106+204.3% | $3,740+234.2% | $4,754+162.9% |
| Participant deferral / active EE | $4,287 | $5,456-21.4% | $4,880-12.1% | $6,712-36.1% |
| Admin fee / account holder | $9,499 | $7,885+20.5% | $6,735+41.0% | $11,409-16.7% |