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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 | $156,866 | $118,877+32.0% | $96,570+62.4% | $167,536-6.4% |
| Participation rate | 76.9% | 75.5%+1.4pp | 69.8%+7.1pp | 82.1%-5.2pp |
| Annual return | 11.73% | 50.50%-38.8pp | 37.79%-26.1pp | 478.82%-467.1pp |
| Employer contribution / active EE | $3,533 | $3,121+13.2% | $2,357+49.9% | $4,839-27.0% |
| Participant deferral / active EE | $7,691 | $4,617+66.6% | $3,849+99.8% | $6,342+21.3% |
| Admin fee / account holder | $2,263 | $8,069-72.0% | $6,182-63.4% | $12,315-81.6% |