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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 | $163,419 | $157,304+3.9% | $141,197+15.7% | $152,909+6.9% |
| Participation rate | 70.0% | 84.8%-14.8pp | 82.5%-12.5pp | 82.5%-12.5pp |
| Annual return | 20.92% | 64.34%-43.4pp | 71.41%-50.5pp | 345.46%-324.5pp |
| Employer contribution / active EE | $2,346 | $5,263-55.4% | $4,736-50.5% | $4,764-50.7% |
| Participant deferral / active EE | $6,766 | $7,111-4.9% | $6,710+0.8% | $5,851+15.6% |
| Admin fee / account holder | $559 | $12,126-95.4% | $10,265-94.6% | $11,601-95.2% |