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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 | $136,246 | $172,111-20.8% | $150,298-9.3% | $137,256-0.7% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.39% | 69.37%-55.0pp | 62.79%-48.4pp | 220.34%-205.9pp |
| Employer contribution / active EE | $4,313 | $4,636-7.0% | $4,154+3.8% | $4,156+3.8% |
| Participant deferral / active EE | $3,948 | $6,166-36.0% | $5,453-27.6% | $6,407-38.4% |
| Admin fee / account holder | $6,859 | $16,471-58.4% | $14,116-51.4% | $12,270-44.1% |