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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 | $148,439 | $197,637-24.9% | $177,848-16.5% | $158,982-6.6% |
| Participation rate | 80.0% | 88.5%-8.5pp | 87.7%-7.7pp | 82.0%-2.0pp |
| Annual return | 8.04% | 58.77%-50.7pp | 48.33%-40.3pp | 302.99%-295.0pp |
| Employer contribution / active EE | $11,846 | $6,698+76.9% | $5,919+100.1% | $4,763+148.7% |
| Participant deferral / active EE | $13,023 | $8,405+54.9% | $7,714+68.8% | $5,983+117.6% |
| Admin fee / account holder | $507 | $15,406-96.7% | $12,431-95.9% | $11,252-95.5% |