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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 | $124,346 | $126,113-1.4% | $116,096+7.1% | $155,188-19.9% |
| Participation rate | 100.0% | 75.1%+24.9pp | 73.3%+26.7pp | 80.8%+19.2pp |
| Annual return | 10.70% | 391.72%-381.0pp | 326.25%-315.5pp | 148.84%-138.1pp |
| Employer contribution / active EE | $2,359 | $2,672-11.7% | $2,503-5.8% | $4,248-44.5% |
| Participant deferral / active EE | $2,629 | $4,162-36.8% | $3,952-33.5% | $6,531-59.7% |
| Admin fee / account holder | $6,702 | $8,045-16.7% | $7,704-13.0% | $14,480-53.7% |