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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 | $156,727 | $183,516-14.6% | $155,534+0.8% | $145,884+7.4% |
| Participation rate | 73.3% | 82.7%-9.4pp | 78.2%-4.9pp | 80.3%-7.0pp |
| Annual return | 12.14% | 61.43%-49.3pp | 64.92%-52.8pp | 551.85%-539.7pp |
| Employer contribution / active EE | $9,653 | $5,315+81.6% | $4,675+106.5% | $4,662+107.0% |
| Participant deferral / active EE | $5,559 | $6,467-14.0% | $5,630-1.3% | $6,690-16.9% |
| Admin fee / account holder | $964 | $19,293-95.0% | $15,900-93.9% | $13,392-92.8% |