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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 | $79,075 | $223,823-64.7% | $211,142-62.5% | $154,746-48.9% |
| Participation rate | 90.0% | 87.9%+2.1pp | 87.3%+2.7pp | 80.7%+9.3pp |
| Annual return | 14.05% | 50.39%-36.3pp | 46.84%-32.8pp | 172.34%-158.3pp |
| Employer contribution / active EE | $9,097 | $6,787+34.0% | $6,442+41.2% | $4,379+107.7% |
| Participant deferral / active EE | $14,596 | $9,750+49.7% | $9,284+57.2% | $6,730+116.9% |
| Admin fee / account holder | $596 | $19,707-97.0% | $19,076-96.9% | $14,365-95.9% |