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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 | $161,035 | $183,592-12.3% | $155,574+3.5% | $145,877+10.4% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 16.70% | 61.37%-44.7pp | 64.87%-48.2pp | 551.28%-534.6pp |
| Employer contribution / active EE | $9,917 | $5,317+86.5% | $4,676+112.1% | $4,663+112.7% |
| Participant deferral / active EE | $6,317 | $6,466-2.3% | $5,629+12.2% | $6,691-5.6% |
| Admin fee / account holder | $653 | $19,316-96.6% | $15,914-95.9% | $13,402-95.1% |