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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 | $147,487 | $183,539-19.6% | $155,556-5.2% | $145,897+1.1% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 12.73% | 61.31%-48.6pp | 64.84%-52.1pp | 552.29%-539.6pp |
| Employer contribution / active EE | $3,472 | $5,315-34.7% | $4,675-25.7% | $4,663-25.5% |
| Participant deferral / active EE | $14,521 | $6,467+124.5% | $5,631+157.9% | $6,689+117.1% |
| Admin fee / account holder | $14,852 | $19,275-22.9% | $15,885-6.5% | $13,390+10.9% |