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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 | $165,623 | $148,623+11.4% | $135,974+21.8% | $139,466+18.8% |
| Participation rate | 73.7% | 83.9%-10.2pp | 81.9%-8.2pp | 80.3%-6.6pp |
| Annual return | 13.05% | 79.30%-66.2pp | 68.30%-55.3pp | 373.66%-360.6pp |
| Employer contribution / active EE | $11,665 | $5,246+122.3% | $4,859+140.1% | $4,754+145.4% |
| Participant deferral / active EE | $5,774 | $8,103-28.7% | $7,760-25.6% | $6,712-14.0% |
| Admin fee / account holder | $1,902 | $12,406-84.7% | $10,767-82.3% | $11,409-83.3% |