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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 | $162,647 | $227,633-28.5% | $189,597-14.2% | $167,553-2.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 14.95% | 78.45%-63.5pp | 64.20%-49.2pp | 478.89%-463.9pp |
| Employer contribution / active EE | $9,141 | $5,317+71.9% | $4,412+107.2% | $4,840+88.9% |
| Participant deferral / active EE | $7,163 | $7,003+2.3% | $6,174+16.0% | $6,343+12.9% |
| Admin fee / account holder | $3,753 | $11,879-68.4% | $9,807-61.7% | $12,316-69.5% |