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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 | $145,808 | $183,627-20.6% | $155,602-6.3% | $145,978-0.1% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 11.98% | 61.32%-49.3pp | 64.81%-52.8pp | 550.52%-538.5pp |
| Employer contribution / active EE | $13,306 | $5,316+150.3% | $4,675+184.6% | $4,662+185.4% |
| Participant deferral / active EE | $9,549 | $6,466+47.7% | $5,629+69.6% | $6,690+42.7% |
| Admin fee / account holder | $642 | $19,327-96.7% | $15,923-96.0% | $13,400-95.2% |