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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 | $149,564 | $162,821-8.1% | $133,978+11.6% | $158,982-5.9% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 10.82% | 41.95%-31.1pp | 45.10%-34.3pp | 302.99%-292.2pp |
| Employer contribution / active EE | $11,778 | $4,976+136.7% | $3,919+200.5% | $4,763+147.3% |
| Participant deferral / active EE | $7,996 | $5,910+35.3% | $5,047+58.4% | $5,983+33.6% |
| Admin fee / account holder | $3,156 | $11,742-73.1% | $8,930-64.7% | $11,252-72.0% |