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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 | $154,322 | $217,432-29.0% | $185,849-17.0% | $167,536-7.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 17.59% | 148.42%-130.8pp | 122.10%-104.5pp | 478.82%-461.2pp |
| Employer contribution / active EE | $1,818 | $5,875-69.1% | $5,169-64.8% | $4,839-62.4% |
| Participant deferral / active EE | $7,030 | $6,357+10.6% | $5,569+26.2% | $6,342+10.8% |
| Admin fee / account holder | $403 | $19,818-98.0% | $16,244-97.5% | $12,315-96.7% |