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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 | $162,970 | $176,838-7.8% | $146,685+11.1% | $167,518-2.7% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 18.71% | 24.04%-5.3pp | 22.75%-4.0pp | 478.71%-460.0pp |
| Employer contribution / active EE | $10,247 | $5,161+98.5% | $4,137+147.7% | $4,838+111.8% |
| Participant deferral / active EE | $10,849 | $6,441+68.4% | $5,507+97.0% | $6,342+71.1% |
| Admin fee / account holder | $1,314 | $13,262-90.1% | $10,281-87.2% | $12,312-89.3% |