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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 | $134,474 | $183,539-26.7% | $155,556-13.6% | $145,897-7.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 22.71% | 61.31%-38.6pp | 64.84%-42.1pp | 552.29%-529.6pp |
| Employer contribution / active EE | $5,580 | $5,315+5.0% | $4,675+19.3% | $4,663+19.7% |
| Participant deferral / active EE | $8,016 | $6,467+24.0% | $5,631+42.4% | $6,689+19.8% |
| Admin fee / account holder | $2,070 | $19,275-89.3% | $15,885-87.0% | $13,390-84.5% |