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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 | $139,820 | $168,635-17.1% | $147,617-5.3% | $125,389+11.5% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | 0.28% | 77.65%-77.4pp | 61.98%-61.7pp | 282.24%-282.0pp |
| Employer contribution / active EE | $5,371 | $6,252-14.1% | $5,564-3.5% | $4,866+10.4% |
| Participant deferral / active EE | $4,102 | $5,507-25.5% | $4,895-16.2% | $5,352-23.3% |
| Admin fee / account holder | $2,101 | $13,580-84.5% | $11,612-81.9% | $9,541-78.0% |