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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 | $197,603-24.9% | $177,827-16.5% | $158,950-6.6% |
| Participation rate | 80.0% | 88.5%-8.5pp | 87.7%-7.7pp | 82.0%-2.0pp |
| Annual return | 8.04% | 58.76%-50.7pp | 48.32%-40.3pp | 302.91%-294.9pp |
| Employer contribution / active EE | $11,846 | $6,698+76.9% | $5,918+100.2% | $4,762+148.8% |
| Participant deferral / active EE | $13,023 | $8,404+55.0% | $7,713+68.8% | $5,983+117.7% |
| Admin fee / account holder | $507 | $15,402-96.7% | $12,429-95.9% | $11,248-95.5% |