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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 | $149,502 | $197,625-24.4% | $177,840-15.9% | $158,966-6.0% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 14.40% | 58.76%-44.4pp | 48.32%-33.9pp | 302.95%-288.6pp |
| Employer contribution / active EE | $8,317 | $6,698+24.2% | $5,919+40.5% | $4,762+74.6% |
| Participant deferral / active EE | $3,571 | $8,405-57.5% | $7,714-53.7% | $5,983-40.3% |
| Admin fee / account holder | $883 | $15,405-94.3% | $12,431-92.9% | $11,250-92.2% |