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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 | $143,077 | $148,629-3.7% | $135,982+5.2% | $139,487+2.6% |
| Participation rate | 75.0% | 83.9%-8.9pp | 81.9%-6.9pp | 80.3%-5.3pp |
| Annual return | 17.67% | 79.33%-61.7pp | 68.32%-50.7pp | 373.84%-356.2pp |
| Employer contribution / active EE | $9,403 | $5,247+79.2% | $4,859+93.5% | $4,755+97.8% |
| Participant deferral / active EE | $15,843 | $8,102+95.5% | $7,760+104.2% | $6,713+136.0% |
| Admin fee / account holder | $32,975 | $12,406+165.8% | $10,767+206.3% | $11,407+189.1% |