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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 | $199,535 | $152,619+30.7% | $125,195+59.4% | $152,909+30.5% |
| Participation rate | 90.9% | 83.3%+7.6pp | 79.8%+11.1pp | 82.5%+8.5pp |
| Annual return | 24.08% | 54.85%-30.8pp | 43.79%-19.7pp | 345.46%-321.4pp |
| Employer contribution / active EE | $5,621 | $4,947+13.6% | $3,866+45.4% | $4,764+18.0% |
| Participant deferral / active EE | $11,243 | $5,869+91.6% | $4,937+127.7% | $5,851+92.1% |
| Admin fee / account holder | $891 | $13,437-93.4% | $9,704-90.8% | $11,601-92.3% |