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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 | $148,522 | $178,174-16.6% | $156,181-4.9% | $137,256+8.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 18.39% | 84.19%-65.8pp | 64.87%-46.5pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,596 | $4,972-67.9% | $4,294-62.8% | $4,156-61.6% |
| Participant deferral / active EE | $5,092 | $6,888-26.1% | $6,132-17.0% | $6,407-20.5% |
| Admin fee / account holder | $1,256 | $17,404-92.8% | $14,586-91.4% | $12,270-89.8% |