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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 | $149,866 | $185,312-19.1% | $161,489-7.2% | $154,746-3.2% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.7%+13.0pp | 80.7%+11.0pp |
| Annual return | 18.81% | 103.84%-85.0pp | 89.72%-70.9pp | 172.34%-153.5pp |
| Employer contribution / active EE | $1,730 | $4,769-63.7% | $4,268-59.5% | $4,379-60.5% |
| Participant deferral / active EE | $6,276 | $6,350-1.2% | $5,630+11.5% | $6,730-6.8% |
| Admin fee / account holder | $11,091 | $18,654-40.5% | $16,006-30.7% | $14,365-22.8% |