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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 | $152,057 | $152,592-0.4% | $125,180+21.5% | $152,885-0.5% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 19.55% | 54.84%-35.3pp | 43.79%-24.2pp | 345.39%-325.8pp |
| Employer contribution / active EE | $2,963 | $4,947-40.1% | $3,866-23.4% | $4,763-37.8% |
| Participant deferral / active EE | $7,479 | $5,868+27.4% | $4,937+51.5% | $5,851+27.8% |
| Admin fee / account holder | $7,611 | $13,435-43.3% | $9,703-21.6% | $11,598-34.4% |