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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 | $150,544 | $157,304-4.3% | $141,197+6.6% | $152,909-1.5% |
| Participation rate | 94.7% | 84.8%+9.9pp | 82.5%+12.3pp | 82.5%+12.3pp |
| Annual return | 22.48% | 64.34%-41.9pp | 71.41%-48.9pp | 345.46%-323.0pp |
| Employer contribution / active EE | $2,714 | $5,263-48.4% | $4,736-42.7% | $4,764-43.0% |
| Participant deferral / active EE | $5,581 | $7,111-21.5% | $6,710-16.8% | $5,851-4.6% |
| Admin fee / account holder | $332 | $12,126-97.3% | $10,265-96.8% | $11,601-97.1% |