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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 | $155,513 | $157,296-1.1% | $141,191+10.1% | $152,897+1.7% |
| Participation rate | 94.1% | 84.8%+9.3pp | 82.5%+11.6pp | 82.5%+11.7pp |
| Annual return | 25.03% | 64.34%-39.3pp | 71.41%-46.4pp | 345.43%-320.4pp |
| Employer contribution / active EE | $4,012 | $5,262-23.8% | $4,736-15.3% | $4,764-15.8% |
| Participant deferral / active EE | $7,480 | $7,111+5.2% | $6,710+11.5% | $5,851+27.8% |
| Admin fee / account holder | $1,121 | $12,125-90.8% | $10,264-89.1% | $11,599-90.3% |