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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 | $134,462 | $162,821-17.4% | $133,978+0.4% | $158,982-15.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 13.68% | 41.95%-28.3pp | 45.10%-31.4pp | 302.99%-289.3pp |
| Employer contribution / active EE | $5,374 | $4,976+8.0% | $3,919+37.1% | $4,763+12.8% |
| Participant deferral / active EE | $3,493 | $5,910-40.9% | $5,047-30.8% | $5,983-41.6% |
| Admin fee / account holder | $2,074 | $11,742-82.3% | $8,930-76.8% | $11,252-81.6% |