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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 | $173,108 | $201,344-14.0% | $184,243-6.0% | $145,877+18.7% |
| Participation rate | 92.9% | 87.5%+5.4pp | 86.8%+6.0pp | 80.3%+12.6pp |
| Annual return | 14.67% | 29.01%-14.3pp | 28.82%-14.1pp | 551.28%-536.6pp |
| Employer contribution / active EE | $9,171 | $7,022+30.6% | $6,427+42.7% | $4,663+96.7% |
| Participant deferral / active EE | $14,133 | $9,807+44.1% | $9,132+54.8% | $6,691+111.2% |
| Admin fee / account holder | $24,346 | $16,382+48.6% | $13,914+75.0% | $13,402+81.7% |