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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 | $133,180 | $157,304-15.3% | $141,197-5.7% | $152,909-12.9% |
| Participation rate | 91.7% | 84.8%+6.8pp | 82.5%+9.2pp | 82.5%+9.2pp |
| Annual return | 25.43% | 64.34%-38.9pp | 71.41%-46.0pp | 345.46%-320.0pp |
| Employer contribution / active EE | $3,412 | $5,263-35.2% | $4,736-28.0% | $4,764-28.4% |
| Participant deferral / active EE | $5,551 | $7,111-21.9% | $6,710-17.3% | $5,851-5.1% |
| Admin fee / account holder | $15,288 | $12,126+26.1% | $10,265+48.9% | $11,601+31.8% |