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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 | $147,320 | $115,796+27.2% | $101,264+45.5% | $158,950-7.3% |
| Participation rate | 87.0% | 79.4%+7.6pp | 75.8%+11.1pp | 82.0%+5.0pp |
| Annual return | 13.81% | 56.15%-42.3pp | 46.48%-32.7pp | 302.91%-289.1pp |
| Employer contribution / active EE | $4,894 | $4,175+17.2% | $3,660+33.7% | $4,762+2.8% |
| Participant deferral / active EE | $10,292 | $4,958+107.6% | $4,370+135.5% | $5,983+72.0% |
| Admin fee / account holder | $2,921 | $7,247-59.7% | $5,947-50.9% | $11,248-74.0% |