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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 | $139,937 | $152,612-8.3% | $125,192+11.8% | $152,897-8.5% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 20.62% | 54.85%-34.2pp | 43.79%-23.2pp | 345.43%-324.8pp |
| Employer contribution / active EE | $1,938 | $4,947-60.8% | $3,866-49.9% | $4,764-59.3% |
| Participant deferral / active EE | $7,393 | $5,868+26.0% | $4,937+49.7% | $5,851+26.4% |
| Admin fee / account holder | $13,140 | $13,437-2.2% | $9,704+35.4% | $11,599+13.3% |