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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 | $135,674 | $154,209-12.0% | $130,062+4.3% | $139,487-2.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 14.03% | 32.52%-18.5pp | -137.37%+151.4pp | 373.84%-359.8pp |
| Employer contribution / active EE | $4,545 | $5,292-14.1% | $4,322+5.2% | $4,755-4.4% |
| Participant deferral / active EE | $6,410 | $6,709-4.5% | $5,821+10.1% | $6,713-4.5% |
| Admin fee / account holder | $1,394 | $13,988-90.0% | $10,601-86.8% | $11,407-87.8% |