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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 | $158,985 | $114,013+39.4% | $103,693+53.3% | $155,188+2.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 17.70% | 49.31%-31.6pp | 47.61%-29.9pp | 148.84%-131.1pp |
| Employer contribution / active EE | $1,369 | $3,131-56.3% | $2,920-53.1% | $4,248-67.8% |
| Participant deferral / active EE | $4,934 | $4,970-0.7% | $4,579+7.7% | $6,531-24.5% |
| Admin fee / account holder | $53,002 | $8,407+530.5% | $7,858+574.5% | $14,480+266.0% |