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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 | $180,396 | $148,629+21.4% | $135,982+32.7% | $139,487+29.3% |
| Participation rate | 92.3% | 83.9%+8.4pp | 81.9%+10.4pp | 80.3%+12.0pp |
| Annual return | 13.79% | 79.33%-65.5pp | 68.32%-54.5pp | 373.84%-360.1pp |
| Employer contribution / active EE | $12,196 | $5,247+132.5% | $4,859+151.0% | $4,755+156.5% |
| Participant deferral / active EE | $9,207 | $8,102+13.6% | $7,760+18.7% | $6,713+37.2% |
| Admin fee / account holder | $589 | $12,406-95.3% | $10,767-94.5% | $11,407-94.8% |