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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 | $139,649 | $201,370-30.7% | $184,256-24.2% | $145,897-4.3% |
| Participation rate | 94.1% | 87.5%+6.6pp | 86.8%+7.3pp | 80.3%+13.8pp |
| Annual return | 13.48% | 29.05%-15.6pp | 28.85%-15.4pp | 552.29%-538.8pp |
| Employer contribution / active EE | $9,683 | $7,024+37.9% | $6,427+50.7% | $4,663+107.7% |
| Participant deferral / active EE | $14,046 | $9,808+43.2% | $9,133+53.8% | $6,689+110.0% |
| Admin fee / account holder | $20,831 | $16,364+27.3% | $13,899+49.9% | $13,390+55.6% |