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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 | $137,980 | $162,821-15.3% | $133,978+3.0% | $158,982-13.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 17.22% | 41.95%-24.7pp | 45.10%-27.9pp | 302.99%-285.8pp |
| Employer contribution / active EE | $3,981 | $4,976-20.0% | $3,919+1.6% | $4,763-16.4% |
| Participant deferral / active EE | $5,578 | $5,910-5.6% | $5,047+10.5% | $5,983-6.8% |
| Admin fee / account holder | $4,872 | $11,742-58.5% | $8,930-45.4% | $11,252-56.7% |