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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 | $159,023 | $225,673-29.5% | $203,872-22.0% | $155,188+2.5% |
| Participation rate | 95.0% | 80.3%+14.7pp | 77.8%+17.2pp | 80.8%+14.2pp |
| Annual return | 15.35% | 95.91%-80.6pp | 85.11%-69.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $4,908 | $4,099+19.8% | $3,757+30.6% | $4,248+15.5% |
| Participant deferral / active EE | $8,765 | $6,893+27.2% | $6,388+37.2% | $6,531+34.2% |
| Admin fee / account holder | $4,760 | $12,327-61.4% | $11,730-59.4% | $14,480-67.1% |