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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 | $148,787 | $181,062-17.8% | $158,223-6.0% | $155,188-4.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 13.55% | 57.39%-43.8pp | 52.09%-38.5pp | 148.84%-135.3pp |
| Employer contribution / active EE | $2,619 | $4,565-42.6% | $4,109-36.3% | $4,248-38.3% |
| Participant deferral / active EE | $5,089 | $6,134-17.0% | $5,467-6.9% | $6,531-22.1% |
| Admin fee / account holder | $15,554 | $18,825-17.4% | $16,047-3.1% | $14,480+7.4% |