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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 | $136,925 | $152,612-10.3% | $125,192+9.4% | $152,897-10.4% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 20.75% | 54.85%-34.1pp | 43.79%-23.0pp | 345.43%-324.7pp |
| Employer contribution / active EE | $2,784 | $4,947-43.7% | $3,866-28.0% | $4,764-41.6% |
| Participant deferral / active EE | $8,268 | $5,868+40.9% | $4,937+67.5% | $5,851+41.3% |
| Admin fee / account holder | $10,735 | $13,437-20.1% | $9,704+10.6% | $11,599-7.5% |