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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 | $174,931 | $217,427-19.5% | $185,837-5.9% | $167,518+4.4% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 13.80% | 148.39%-134.6pp | 122.08%-108.3pp | 478.71%-464.9pp |
| Employer contribution / active EE | $5,678 | $5,874-3.3% | $5,168+9.9% | $4,838+17.3% |
| Participant deferral / active EE | $6,807 | $6,357+7.1% | $5,568+22.2% | $6,342+7.3% |
| Admin fee / account holder | $9,464 | $19,816-52.2% | $16,241-41.7% | $12,312-23.1% |