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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 | $150,469 | $152,612-1.4% | $125,192+20.2% | $152,897-1.6% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 18.34% | 54.85%-36.5pp | 43.79%-25.5pp | 345.43%-327.1pp |
| Employer contribution / active EE | $2,259 | $4,947-54.3% | $3,866-41.6% | $4,764-52.6% |
| Participant deferral / active EE | $6,596 | $5,868+12.4% | $4,937+33.6% | $5,851+12.7% |
| Admin fee / account holder | $13,324 | $13,437-0.8% | $9,704+37.3% | $11,599+14.9% |