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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 | $154,452 | $198,457-22.2% | $170,435-9.4% | $147,586+4.7% |
| Participation rate | 71.4% | 88.0%-16.5pp | 83.6%-12.2pp | 82.8%-11.4pp |
| Annual return | 10.26% | 257.30%-247.0pp | 205.94%-195.7pp | 578.59%-568.3pp |
| Employer contribution / active EE | $8,270 | $6,183+33.7% | $5,432+52.2% | $4,876+69.6% |
| Participant deferral / active EE | $4,177 | $5,629-25.8% | $4,939-15.4% | $5,439-23.2% |
| Admin fee / account holder | $13,348 | $16,852-20.8% | $13,881-3.8% | $10,886+22.6% |