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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 | $137,833 | $162,785-15.3% | $133,959+2.9% | $158,950-13.3% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 20.54% | 41.94%-21.4pp | 45.09%-24.6pp | 302.91%-282.4pp |
| Employer contribution / active EE | $14,907 | $4,975+199.6% | $3,919+280.4% | $4,762+213.0% |
| Participant deferral / active EE | $12,002 | $5,910+103.1% | $5,047+137.8% | $5,983+100.6% |
| Admin fee / account holder | $2,413 | $11,738-79.4% | $8,928-73.0% | $11,248-78.5% |