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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 | $137,995 | $162,785-15.2% | $133,959+3.0% | $158,950-13.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 15.67% | 41.94%-26.3pp | 45.09%-29.4pp | 302.91%-287.2pp |
| Employer contribution / active EE | $3,875 | $4,975-22.1% | $3,919-1.1% | $4,762-18.6% |
| Participant deferral / active EE | $7,316 | $5,910+23.8% | $5,047+44.9% | $5,983+22.3% |
| Admin fee / account holder | $15,463 | $11,738+31.7% | $8,928+73.2% | $11,248+37.5% |