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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 | $164,620 | $185,312-11.2% | $161,489+1.9% | $154,746+6.4% |
| Participation rate | 88.9% | 82.5%+6.4pp | 78.7%+10.2pp | 80.7%+8.2pp |
| Annual return | 11.65% | 103.84%-92.2pp | 89.72%-78.1pp | 172.34%-160.7pp |
| Employer contribution / active EE | $17,825 | $4,769+273.7% | $4,268+317.6% | $4,379+307.0% |
| Participant deferral / active EE | $12,103 | $6,350+90.6% | $5,630+115.0% | $6,730+79.8% |
| Admin fee / account holder | $1,772 | $18,654-90.5% | $16,006-88.9% | $14,365-87.7% |