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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 | $159,536 | $183,539-13.1% | $155,556+2.6% | $145,897+9.3% |
| Participation rate | 94.4% | 82.7%+11.7pp | 78.2%+16.2pp | 80.3%+14.1pp |
| Annual return | 15.20% | 61.31%-46.1pp | 64.84%-49.6pp | 552.29%-537.1pp |
| Employer contribution / active EE | $2,362 | $5,315-55.6% | $4,675-49.5% | $4,663-49.3% |
| Participant deferral / active EE | $6,786 | $6,467+4.9% | $5,631+20.5% | $6,689+1.5% |
| Admin fee / account holder | $1,586 | $19,275-91.8% | $15,885-90.0% | $13,390-88.2% |