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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 | $156,742 | $201,370-22.2% | $184,256-14.9% | $145,897+7.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 12.28% | 29.05%-16.8pp | 28.85%-16.6pp | 552.29%-540.0pp |
| Employer contribution / active EE | $23,218 | $7,024+230.6% | $6,427+261.2% | $4,663+398.0% |
| Participant deferral / active EE | $12,056 | $9,808+22.9% | $9,133+32.0% | $6,689+80.2% |
| Admin fee / account holder | $693 | $16,364-95.8% | $13,899-95.0% | $13,390-94.8% |