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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 | $149,475 | $98,240+52.2% | $82,312+81.6% | $147,586+1.3% |
| Participation rate | 71.4% | 79.7%-8.3pp | 76.9%-5.5pp | 82.8%-11.4pp |
| Annual return | 18.89% | 30.85%-12.0pp | 25.88%-7.0pp | 578.59%-559.7pp |
| Employer contribution / active EE | $3,629 | $3,192+13.7% | $2,428+49.4% | $4,876-25.6% |
| Participant deferral / active EE | $7,636 | $4,383+74.2% | $3,706+106.0% | $5,439+40.4% |
| Admin fee / account holder | $369 | $8,563-95.7% | $5,608-93.4% | $10,886-96.6% |