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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 | $137,376 | $201,370-31.8% | $184,256-25.4% | $145,897-5.8% |
| Participation rate | 92.3% | 87.5%+4.8pp | 86.8%+5.5pp | 80.3%+12.0pp |
| Annual return | 13.91% | 29.05%-15.1pp | 28.85%-14.9pp | 552.29%-538.4pp |
| Employer contribution / active EE | $14,492 | $7,024+106.3% | $6,427+125.5% | $4,663+210.8% |
| Participant deferral / active EE | $13,673 | $9,808+39.4% | $9,133+49.7% | $6,689+104.4% |
| Admin fee / account holder | $12,694 | $16,364-22.4% | $13,899-8.7% | $13,390-5.2% |