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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 | $137,532 | $157,304-12.6% | $141,197-2.6% | $152,909-10.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.59% | 64.34%-44.8pp | 71.41%-51.8pp | 345.46%-325.9pp |
| Employer contribution / active EE | $3,358 | $5,263-36.2% | $4,736-29.1% | $4,764-29.5% |
| Participant deferral / active EE | $14,364 | $7,111+102.0% | $6,710+114.1% | $5,851+145.5% |
| Admin fee / account holder | $3,833 | $12,126-68.4% | $10,265-62.7% | $11,601-67.0% |