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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 | $164,112 | $185,856-11.7% | $170,028-3.5% | $139,456+17.7% |
| Participation rate | 77.8% | 87.8%-10.0pp | 87.0%-9.2pp | 80.3%-2.5pp |
| Annual return | 16.05% | 60.52%-44.5pp | 53.39%-37.3pp | 373.45%-357.4pp |
| Employer contribution / active EE | $4,190 | $7,593-44.8% | $6,788-38.3% | $4,753-11.8% |
| Participant deferral / active EE | $12,692 | $11,623+9.2% | $10,409+21.9% | $6,711+89.1% |
| Admin fee / account holder | $16,300 | $15,387+5.9% | $12,820+27.1% | $11,407+42.9% |