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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 | $159,895 | $174,379-8.3% | $152,093+5.1% | $138,895+15.1% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 16.39% | 74.86%-58.5pp | 66.36%-50.0pp | 145.39%-129.0pp |
| Employer contribution / active EE | $4,107 | $4,652-11.7% | $4,175-1.6% | $4,194-2.1% |
| Participant deferral / active EE | $5,406 | $6,159-12.2% | $5,451-0.8% | $6,396-15.5% |
| Admin fee / account holder | $18,592 | $16,880+10.1% | $14,497+28.3% | $12,562+48.0% |