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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 | $174,379-21.9% | $152,093-10.4% | $138,895-1.9% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 14.39% | 74.86%-60.5pp | 66.36%-52.0pp | 145.39%-131.0pp |
| Employer contribution / active EE | $4,313 | $4,652-7.3% | $4,175+3.3% | $4,194+2.8% |
| Participant deferral / active EE | $3,948 | $6,159-35.9% | $5,451-27.6% | $6,396-38.3% |
| Admin fee / account holder | $6,859 | $16,880-59.4% | $14,497-52.7% | $12,562-45.4% |