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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 | $160,376 | $117,846+36.1% | $102,434+56.6% | $145,884+9.9% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 10.80% | 31.90%-21.1pp | 29.46%-18.7pp | 551.85%-541.1pp |
| Employer contribution / active EE | $17,281 | $3,615+378.1% | $3,023+471.6% | $4,662+270.6% |
| Participant deferral / active EE | $12,071 | $5,733+110.5% | $5,055+138.8% | $6,690+80.4% |
| Admin fee / account holder | $6,741 | $13,356-49.5% | $9,462-28.8% | $13,392-49.7% |