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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 | $149,469 | $172,111-13.2% | $150,298-0.6% | $137,256+8.9% |
| Participation rate | 87.5% | 81.7%+5.8pp | 77.8%+9.7pp | 80.0%+7.5pp |
| Annual return | 19.73% | 69.37%-49.6pp | 62.79%-43.1pp | 220.34%-200.6pp |
| Employer contribution / active EE | $7,496 | $4,636+61.7% | $4,154+80.4% | $4,156+80.4% |
| Participant deferral / active EE | $4,539 | $6,166-26.4% | $5,453-16.8% | $6,407-29.1% |
| Admin fee / account holder | $1,002 | $16,471-93.9% | $14,116-92.9% | $12,270-91.8% |