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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 | $171,051 | $197,603-13.4% | $177,827-3.8% | $158,950+7.6% |
| Participation rate | 85.7% | 88.5%-2.8pp | 87.7%-2.0pp | 82.0%+3.8pp |
| Annual return | 15.56% | 58.76%-43.2pp | 48.32%-32.8pp | 302.91%-287.3pp |
| Employer contribution / active EE | $12,979 | $6,698+93.8% | $5,918+119.3% | $4,762+172.6% |
| Participant deferral / active EE | $23,273 | $8,404+176.9% | $7,713+201.7% | $5,983+289.0% |
| Admin fee / account holder | $25,314 | $15,402+64.4% | $12,429+103.7% | $11,248+125.0% |