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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 | $132,123 | $156,398-15.5% | $147,318-10.3% | $138,895-4.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 17.44% | 78.75%-61.3pp | 70.43%-53.0pp | 145.39%-128.0pp |
| Employer contribution / active EE | $3,258 | $4,853-32.9% | $4,593-29.1% | $4,194-22.3% |
| Participant deferral / active EE | $7,600 | $8,237-7.7% | $7,906-3.9% | $6,396+18.8% |
| Admin fee / account holder | $54,509 | $14,976+264.0% | $13,708+297.7% | $12,562+333.9% |