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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 | $154,549 | $183,592-15.8% | $155,574-0.7% | $145,877+5.9% |
| Participation rate | 95.8% | 82.7%+13.1pp | 78.2%+17.6pp | 80.3%+15.5pp |
| Annual return | 13.33% | 61.37%-48.0pp | 64.87%-51.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $3,338 | $5,317-37.2% | $4,676-28.6% | $4,663-28.4% |
| Participant deferral / active EE | $6,956 | $6,466+7.6% | $5,629+23.6% | $6,691+4.0% |
| Admin fee / account holder | $2,241 | $19,316-88.4% | $15,914-85.9% | $13,402-83.3% |