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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 | $134,877 | $157,296-14.3% | $141,191-4.5% | $152,897-11.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 22.91% | 64.34%-41.4pp | 71.41%-48.5pp | 345.43%-322.5pp |
| Employer contribution / active EE | $3,610 | $5,262-31.4% | $4,736-23.8% | $4,764-24.2% |
| Participant deferral / active EE | $9,892 | $7,111+39.1% | $6,710+47.4% | $5,851+69.1% |
| Admin fee / account holder | $1,708 | $12,125-85.9% | $10,264-83.4% | $11,599-85.3% |