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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 | $156,806 | $157,276-0.3% | $141,177+11.1% | $152,885+2.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 27.43% | 64.33%-36.9pp | 71.40%-44.0pp | 345.39%-318.0pp |
| Employer contribution / active EE | $3,112 | $5,262-40.9% | $4,736-34.3% | $4,763-34.7% |
| Participant deferral / active EE | $8,602 | $7,110+21.0% | $6,710+28.2% | $5,851+47.0% |
| Admin fee / account holder | $19,079 | $12,123+57.4% | $10,263+85.9% | $11,598+64.5% |