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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 | $158,034 | $185,312-14.7% | $161,489-2.1% | $154,746+2.1% |
| Participation rate | 92.3% | 82.5%+9.8pp | 78.7%+13.6pp | 80.7%+11.6pp |
| Annual return | 13.61% | 103.84%-90.2pp | 89.72%-76.1pp | 172.34%-158.7pp |
| Employer contribution / active EE | $11,315 | $4,769+137.3% | $4,268+165.1% | $4,379+158.4% |
| Participant deferral / active EE | $6,076 | $6,350-4.3% | $5,630+7.9% | $6,730-9.7% |
| Admin fee / account holder | $601 | $18,654-96.8% | $16,006-96.2% | $14,365-95.8% |