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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 | $162,722 | $172,111-5.5% | $150,298+8.3% | $137,256+18.6% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 18.37% | 69.37%-51.0pp | 62.79%-44.4pp | 220.34%-202.0pp |
| Employer contribution / active EE | $19,680 | $4,636+324.5% | $4,154+373.7% | $4,156+373.5% |
| Participant deferral / active EE | $10,918 | $6,166+77.1% | $5,453+100.2% | $6,407+70.4% |
| Admin fee / account holder | $1,731 | $16,471-89.5% | $14,116-87.7% | $12,270-85.9% |