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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 | $164,377 | $172,111-4.5% | $150,298+9.4% | $137,256+19.8% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 19.19% | 69.37%-50.2pp | 62.79%-43.6pp | 220.34%-201.2pp |
| Employer contribution / active EE | $4,326 | $4,636-6.7% | $4,154+4.1% | $4,156+4.1% |
| Participant deferral / active EE | $5,497 | $6,166-10.8% | $5,453+0.8% | $6,407-14.2% |
| Admin fee / account holder | $1,574 | $16,471-90.4% | $14,116-88.9% | $12,270-87.2% |