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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 | $150,862 | $91,167+65.5% | $178,498-15.5% | $79,858+88.9% |
| Participation rate | 86.0% | 69.2%+16.8pp | 81.9%+4.0pp | 69.6%+16.3pp |
| Annual return | 16.81% | 24.19%-7.4pp | 151.09%-134.3pp | 31.72%-14.9pp |
| Employer contribution / active EE | $5,023 | $3,255+54.3% | $5,011+0.2% | $2,471+103.3% |
| Participant deferral / active EE | $11,306 | $3,236+249.4% | $5,202+117.3% | $3,740+202.3% |
| Admin fee / account holder | $1,591 | $6,747-76.4% | $13,985-88.6% | $5,306-70.0% |