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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 | $149,217 | $157,829-5.5% | $136,867+9.0% | $198,609-24.9% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 5.69% | 51.25%-45.6pp | 42.97%-37.3pp | 202.70%-197.0pp |
| Employer contribution / active EE | $2,090 | $3,923-46.7% | $3,547-41.1% | $5,055-58.7% |
| Participant deferral / active EE | $4,489 | $5,463-17.8% | $4,924-8.8% | $6,977-35.7% |
| Admin fee / account holder | $21,532 | $11,107+93.9% | $10,340+108.2% | $19,030+13.1% |