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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 | $136,524 | $197,637-30.9% | $177,848-23.2% | $158,982-14.1% |
| Participation rate | 83.3% | 88.5%-5.2pp | 87.7%-4.4pp | 82.0%+1.4pp |
| Annual return | 15.24% | 58.77%-43.5pp | 48.33%-33.1pp | 302.99%-287.8pp |
| Employer contribution / active EE | $3,993 | $6,698-40.4% | $5,919-32.5% | $4,763-16.2% |
| Participant deferral / active EE | $6,395 | $8,405-23.9% | $7,714-17.1% | $5,983+6.9% |
| Admin fee / account holder | $425 | $15,406-97.2% | $12,431-96.6% | $11,252-96.2% |