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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 | $144,696 | $181,062-20.1% | $158,223-8.5% | $155,188-6.8% |
| Participation rate | 94.1% | 82.7%+11.5pp | 79.2%+14.9pp | 80.8%+13.3pp |
| Annual return | 14.64% | 57.39%-42.7pp | 52.09%-37.4pp | 148.84%-134.2pp |
| Employer contribution / active EE | $7,772 | $4,565+70.3% | $4,109+89.2% | $4,248+83.0% |
| Participant deferral / active EE | $4,990 | $6,134-18.7% | $5,467-8.7% | $6,531-23.6% |
| Admin fee / account holder | $5,942 | $18,825-68.4% | $16,047-63.0% | $14,480-59.0% |