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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 | $226,542 | $185,312+22.2% | $161,489+40.3% | $154,746+46.4% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.7%+4.6pp | 80.7%+2.6pp |
| Annual return | 13.03% | 103.84%-90.8pp | 89.72%-76.7pp | 172.34%-159.3pp |
| Employer contribution / active EE | $10,059 | $4,769+110.9% | $4,268+135.7% | $4,379+129.7% |
| Participant deferral / active EE | $8,108 | $6,350+27.7% | $5,630+44.0% | $6,730+20.5% |
| Admin fee / account holder | $16,970 | $18,654-9.0% | $16,006+6.0% | $14,365+18.1% |