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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 | $158,309 | $183,627-13.8% | $155,602+1.7% | $145,978+8.4% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 18.09% | 61.32%-43.2pp | 64.81%-46.7pp | 550.52%-532.4pp |
| Employer contribution / active EE | $10,379 | $5,316+95.2% | $4,675+122.0% | $4,662+122.6% |
| Participant deferral / active EE | $4,088 | $6,466-36.8% | $5,629-27.4% | $6,690-38.9% |
| Admin fee / account holder | $325 | $19,327-98.3% | $15,923-98.0% | $13,400-97.6% |