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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 | $145,104 | $172,111-15.7% | $150,298-3.5% | $137,256+5.7% |
| Participation rate | 83.3% | 81.7%+1.6pp | 77.8%+5.6pp | 80.0%+3.4pp |
| Annual return | 12.97% | 69.37%-56.4pp | 62.79%-49.8pp | 220.34%-207.4pp |
| Employer contribution / active EE | $5,000 | $4,636+7.8% | $4,154+20.4% | $4,156+20.3% |
| Participant deferral / active EE | $5,000 | $6,166-18.9% | $5,453-8.3% | $6,407-22.0% |
| Admin fee / account holder | $1,139 | $16,471-93.1% | $14,116-91.9% | $12,270-90.7% |