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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 | $145,148 | $211,224-31.3% | $178,505-18.7% | $145,897-0.5% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 14.73% | 30.28%-15.5pp | 27.16%-12.4pp | 552.29%-537.6pp |
| Employer contribution / active EE | $7,989 | $4,577+74.6% | $3,955+102.0% | $4,663+71.3% |
| Participant deferral / active EE | $16,256 | $6,966+133.4% | $6,280+158.8% | $6,689+143.0% |
| Admin fee / account holder | $7,309 | $12,109-39.6% | $10,428-29.9% | $13,390-45.4% |