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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 | $156,008 | $176,838-11.8% | $146,685+6.4% | $167,518-6.9% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 11.87% | 24.04%-12.2pp | 22.75%-10.9pp | 478.71%-466.8pp |
| Employer contribution / active EE | $17,985 | $5,161+248.5% | $4,137+334.7% | $4,838+271.7% |
| Participant deferral / active EE | $9,750 | $6,441+51.4% | $5,507+77.1% | $6,342+53.7% |
| Admin fee / account holder | $1,741 | $13,262-86.9% | $10,281-83.1% | $12,312-85.9% |