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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 | $141,842 | $172,111-17.6% | $150,298-5.6% | $137,256+3.3% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.90% | 69.37%-54.5pp | 62.79%-47.9pp | 220.34%-205.4pp |
| Employer contribution / active EE | $4,426 | $4,636-4.5% | $4,154+6.6% | $4,156+6.5% |
| Participant deferral / active EE | $7,957 | $6,166+29.1% | $5,453+45.9% | $6,407+24.2% |
| Admin fee / account holder | $2,503 | $16,471-84.8% | $14,116-82.3% | $12,270-79.6% |