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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 | $159,169 | $178,174-10.7% | $156,181+1.9% | $137,256+16.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 15.78% | 84.19%-68.4pp | 64.87%-49.1pp | 220.34%-204.6pp |
| Employer contribution / active EE | $10,961 | $4,972+120.5% | $4,294+155.3% | $4,156+163.7% |
| Participant deferral / active EE | $11,319 | $6,888+64.3% | $6,132+84.6% | $6,407+76.7% |
| Admin fee / account holder | $3,981 | $17,404-77.1% | $14,586-72.7% | $12,270-67.6% |