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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 | $189,947 | $201,372-5.7% | $184,260+3.1% | $145,884+30.2% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 12.35% | 29.04%-16.7pp | 28.84%-16.5pp | 551.85%-539.5pp |
| Employer contribution / active EE | $12,182 | $7,024+73.4% | $6,427+89.5% | $4,662+161.3% |
| Participant deferral / active EE | $10,623 | $9,808+8.3% | $9,133+16.3% | $6,690+58.8% |
| Admin fee / account holder | $1,870 | $16,362-88.6% | $13,898-86.5% | $13,392-86.0% |