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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 | $201,344-30.6% | $184,243-24.2% | $145,877-4.3% |
| Participation rate | 94.1% | 87.5%+6.6pp | 86.8%+7.3pp | 80.3%+13.8pp |
| Annual return | 13.48% | 29.01%-15.5pp | 28.82%-15.3pp | 551.28%-537.8pp |
| Employer contribution / active EE | $9,683 | $7,022+37.9% | $6,427+50.7% | $4,663+107.7% |
| Participant deferral / active EE | $14,046 | $9,807+43.2% | $9,132+53.8% | $6,691+109.9% |
| Admin fee / account holder | $20,831 | $16,382+27.2% | $13,914+49.7% | $13,402+55.4% |