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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 | $148,158 | $91,194+62.5% | $178,486-17.0% | $79,860+85.5% |
| Participation rate | 75.6% | 69.2%+6.4pp | 81.9%-6.3pp | 69.6%+6.0pp |
| Annual return | 11.55% | 24.19%-12.6pp | 151.08%-139.5pp | 31.72%-20.2pp |
| Employer contribution / active EE | $7,164 | $3,256+120.0% | $5,011+43.0% | $2,471+189.9% |
| Participant deferral / active EE | $12,043 | $3,236+272.1% | $5,202+131.5% | $3,740+222.0% |
| Admin fee / account holder | $5,652 | $6,751-16.3% | $13,985-59.6% | $5,306+6.5% |