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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 | $119,786 | $116,203+3.1% | $93,621+27.9% | $152,909-21.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 13.61% | 35.96%-22.4pp | 32.76%-19.2pp | 345.46%-331.9pp |
| Employer contribution / active EE | $1,538 | $3,219-52.2% | $2,719-43.4% | $4,764-67.7% |
| Participant deferral / active EE | $5,138 | $4,605+11.6% | $4,070+26.3% | $5,851-12.2% |
| Admin fee / account holder | $12,268 | $10,751+14.1% | $7,890+55.5% | $11,601+5.8% |