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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 | $125,934 | $165,939-24.1% | $122,354+2.9% | $147,586-14.7% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 11.58% | 34.56%-23.0pp | 30.28%-18.7pp | 578.59%-567.0pp |
| Employer contribution / active EE | $0 | $5,754-100.0% | $4,051-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $4,251 | $4,005+6.1% | $3,287+29.3% | $5,439-21.8% |
| Admin fee / account holder | $3,621 | $7,425-51.2% | $5,479-33.9% | $10,886-66.7% |