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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 | $141,266 | $172,111-17.9% | $150,298-6.0% | $137,256+2.9% |
| Participation rate | 94.4% | 81.7%+12.7pp | 77.8%+16.7pp | 80.0%+14.5pp |
| Annual return | 17.14% | 69.37%-52.2pp | 62.79%-45.6pp | 220.34%-203.2pp |
| Employer contribution / active EE | $6,200 | $4,636+33.7% | $4,154+49.3% | $4,156+49.2% |
| Participant deferral / active EE | $5,877 | $6,166-4.7% | $5,453+7.8% | $6,407-8.3% |
| Admin fee / account holder | $4,688 | $16,471-71.5% | $14,116-66.8% | $12,270-61.8% |