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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 | $201,344-31.8% | $184,243-25.4% | $145,877-5.8% |
| Participation rate | 92.3% | 87.5%+4.8pp | 86.8%+5.5pp | 80.3%+12.0pp |
| Annual return | 13.91% | 29.01%-15.1pp | 28.82%-14.9pp | 551.28%-537.4pp |
| Employer contribution / active EE | $14,492 | $7,022+106.4% | $6,427+125.5% | $4,663+210.8% |
| Participant deferral / active EE | $13,673 | $9,807+39.4% | $9,132+49.7% | $6,691+104.4% |
| Admin fee / account holder | $12,694 | $16,382-22.5% | $13,914-8.8% | $13,402-5.3% |