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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 | $144,263 | $165,399-12.8% | $149,745-3.7% | $158,982-9.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.48% | 348.34%-335.9pp | 276.72%-264.2pp | 302.99%-290.5pp |
| Employer contribution / active EE | $1,646 | $5,105-67.8% | $4,646-64.6% | $4,763-65.4% |
| Participant deferral / active EE | $7,245 | $7,183+0.9% | $6,843+5.9% | $5,983+21.1% |
| Admin fee / account holder | $19,395 | $10,811+79.4% | $9,312+108.3% | $11,252+72.4% |