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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 | $149,691 | $172,111-13.0% | $150,298-0.4% | $137,256+9.1% |
| Participation rate | 90.5% | 81.7%+8.8pp | 77.8%+12.7pp | 80.0%+10.5pp |
| Annual return | 19.21% | 69.37%-50.2pp | 62.79%-43.6pp | 220.34%-201.1pp |
| Employer contribution / active EE | $3,064 | $4,636-33.9% | $4,154-26.2% | $4,156-26.3% |
| Participant deferral / active EE | $4,885 | $6,166-20.8% | $5,453-10.4% | $6,407-23.7% |
| Admin fee / account holder | $1,457 | $16,471-91.2% | $14,116-89.7% | $12,270-88.1% |