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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 | $184,986 | $227,597-18.7% | $189,575-2.4% | $167,536+10.4% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 10.29% | 78.44%-68.1pp | 64.19%-53.9pp | 478.82%-468.5pp |
| Employer contribution / active EE | $4,940 | $5,316-7.1% | $4,412+12.0% | $4,839+2.1% |
| Participant deferral / active EE | $25,806 | $7,002+268.5% | $6,174+318.0% | $6,342+306.9% |
| Admin fee / account holder | $9,291 | $11,877-21.8% | $9,806-5.3% | $12,315-24.6% |