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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 | $159,202 | $197,603-19.4% | $177,827-10.5% | $158,950+0.2% |
| Participation rate | 75.0% | 88.5%-13.5pp | 87.7%-12.7pp | 82.0%-7.0pp |
| Annual return | 13.24% | 58.76%-45.5pp | 48.32%-35.1pp | 302.91%-289.7pp |
| Employer contribution / active EE | $12,500 | $6,698+86.6% | $5,918+111.2% | $4,762+162.5% |
| Participant deferral / active EE | $5,029 | $8,404-40.2% | $7,713-34.8% | $5,983-15.9% |
| Admin fee / account holder | $3,086 | $15,402-80.0% | $12,429-75.2% | $11,248-72.6% |