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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 | $151,811 | $183,592-17.3% | $155,574-2.4% | $145,877+4.1% |
| Participation rate | 95.2% | 82.7%+12.5pp | 78.2%+17.0pp | 80.3%+14.9pp |
| Annual return | 17.50% | 61.37%-43.9pp | 64.87%-47.4pp | 551.28%-533.8pp |
| Employer contribution / active EE | $10,496 | $5,317+97.4% | $4,676+124.5% | $4,663+125.1% |
| Participant deferral / active EE | $9,545 | $6,466+47.6% | $5,629+69.6% | $6,691+42.7% |
| Admin fee / account holder | $334 | $19,316-98.3% | $15,914-97.9% | $13,402-97.5% |