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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 | $151,828 | $152,612-0.5% | $125,192+21.3% | $152,897-0.7% |
| Participation rate | 76.5% | 83.3%-6.9pp | 79.8%-3.3pp | 82.5%-6.0pp |
| Annual return | 16.15% | 54.85%-38.7pp | 43.79%-27.6pp | 345.43%-329.3pp |
| Employer contribution / active EE | $2,212 | $4,947-55.3% | $3,866-42.8% | $4,764-53.6% |
| Participant deferral / active EE | $4,535 | $5,868-22.7% | $4,937-8.2% | $5,851-22.5% |
| Admin fee / account holder | $10,844 | $13,437-19.3% | $9,704+11.8% | $11,599-6.5% |