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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 | $166,117 | $183,592-9.5% | $155,574+6.8% | $145,877+13.9% |
| Participation rate | 72.7% | 82.7%-10.0pp | 78.2%-5.5pp | 80.3%-7.6pp |
| Annual return | 17.46% | 61.37%-43.9pp | 64.87%-47.4pp | 551.28%-533.8pp |
| Employer contribution / active EE | $7,609 | $5,317+43.1% | $4,676+62.7% | $4,663+63.2% |
| Participant deferral / active EE | $7,465 | $6,466+15.4% | $5,629+32.6% | $6,691+11.6% |
| Admin fee / account holder | $640 | $19,316-96.7% | $15,914-96.0% | $13,402-95.2% |