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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 | $148,848 | $162,785-8.6% | $133,959+11.1% | $158,950-6.4% |
| Participation rate | 88.2% | 83.2%+5.0pp | 79.8%+8.4pp | 82.0%+6.3pp |
| Annual return | 12.13% | 41.94%-29.8pp | 45.09%-33.0pp | 302.91%-290.8pp |
| Employer contribution / active EE | $2,056 | $4,975-58.7% | $3,919-47.5% | $4,762-56.8% |
| Participant deferral / active EE | $7,329 | $5,910+24.0% | $5,047+45.2% | $5,983+22.5% |
| Admin fee / account holder | $6,419 | $11,738-45.3% | $8,928-28.1% | $11,248-42.9% |