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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 | $106,956 | $115,814-7.6% | $101,275+5.6% | $158,982-32.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 7.70% | 56.16%-48.5pp | 46.48%-38.8pp | 302.99%-295.3pp |
| Employer contribution / active EE | $5,193 | $4,176+24.4% | $3,660+41.9% | $4,763+9.0% |
| Participant deferral / active EE | $2,572 | $4,958-48.1% | $4,371-41.2% | $5,983-57.0% |
| Admin fee / account holder | $4,836 | $7,249-33.3% | $5,948-18.7% | $11,252-57.0% |