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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 | $149,693 | $99,053+51.1% | $88,179+69.8% | $138,895+7.8% |
| Participation rate | 94.4% | 74.2%+20.2pp | 69.1%+25.3pp | 79.9%+14.5pp |
| Annual return | 16.08% | 78.17%-62.1pp | 64.97%-48.9pp | 145.39%-129.3pp |
| Employer contribution / active EE | $5,111 | $2,882+77.3% | $2,549+100.5% | $4,194+21.8% |
| Participant deferral / active EE | $11,582 | $5,225+121.7% | $4,614+151.0% | $6,396+81.1% |
| Admin fee / account holder | $10,852 | $8,748+24.0% | $7,673+41.4% | $12,562-13.6% |