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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 | $152,829 | $165,361-7.6% | $149,715+2.1% | $158,950-3.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.40% | 348.24%-330.8pp | 276.66%-259.3pp | 302.91%-285.5pp |
| Employer contribution / active EE | $4,302 | $5,103-15.7% | $4,645-7.4% | $4,762-9.7% |
| Participant deferral / active EE | $14,289 | $7,182+99.0% | $6,842+108.8% | $5,983+138.8% |
| Admin fee / account holder | $8,966 | $10,808-17.0% | $9,310-3.7% | $11,248-20.3% |