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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 | $155,526 | $217,432-28.5% | $185,849-16.3% | $167,536-7.2% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 19.45% | 148.42%-129.0pp | 122.10%-102.6pp | 478.82%-459.4pp |
| Employer contribution / active EE | $3,498 | $5,875-40.5% | $5,169-32.3% | $4,839-27.7% |
| Participant deferral / active EE | $6,416 | $6,357+0.9% | $5,569+15.2% | $6,342+1.2% |
| Admin fee / account holder | $2,752 | $19,818-86.1% | $16,244-83.1% | $12,315-77.7% |