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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 | $145,520 | $176,794-17.7% | $146,647-0.8% | $167,553-13.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 15.64% | 24.04%-8.4pp | 22.75%-7.1pp | 478.89%-463.3pp |
| Employer contribution / active EE | $9,438 | $5,161+82.9% | $4,137+128.1% | $4,840+95.0% |
| Participant deferral / active EE | $20,533 | $6,440+218.8% | $5,506+272.9% | $6,343+223.7% |
| Admin fee / account holder | $4,083 | $13,262-69.2% | $10,281-60.3% | $12,316-66.8% |