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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 | $156,757 | $172,111-8.9% | $150,298+4.3% | $137,256+14.2% |
| Participation rate | 84.6% | 81.7%+2.9pp | 77.8%+6.9pp | 80.0%+4.7pp |
| Annual return | 15.33% | 69.37%-54.0pp | 62.79%-47.5pp | 220.34%-205.0pp |
| Employer contribution / active EE | $1,332 | $4,636-71.3% | $4,154-67.9% | $4,156-68.0% |
| Participant deferral / active EE | $6,452 | $6,166+4.6% | $5,453+18.3% | $6,407+0.7% |
| Admin fee / account holder | $3,278 | $16,471-80.1% | $14,116-76.8% | $12,270-73.3% |