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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 | $139,031 | $166,089-16.3% | $164,928-15.7% | $145,978-4.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 15.96% | 100.26%-84.3pp | 70.08%-54.1pp | 550.52%-534.6pp |
| Employer contribution / active EE | $4,438 | $5,276-15.9% | $4,343+2.2% | $4,662-4.8% |
| Participant deferral / active EE | $12,303 | $6,961+76.7% | $6,034+103.9% | $6,690+83.9% |
| Admin fee / account holder | $677 | $16,641-95.9% | $12,684-94.7% | $13,400-95.0% |