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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 | $154,493 | $157,276-1.8% | $141,177+9.4% | $152,885+1.1% |
| Participation rate | 80.0% | 84.8%-4.8pp | 82.5%-2.5pp | 82.5%-2.5pp |
| Annual return | 24.49% | 64.33%-39.8pp | 71.40%-46.9pp | 345.39%-320.9pp |
| Employer contribution / active EE | $17,655 | $5,262+235.5% | $4,736+272.8% | $4,763+270.7% |
| Participant deferral / active EE | $8,731 | $7,110+22.8% | $6,710+30.1% | $5,851+49.2% |
| Admin fee / account holder | $2,326 | $12,123-80.8% | $10,263-77.3% | $11,598-79.9% |