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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 | $102,567 | $103,393-0.8% | $87,103+17.8% | $152,909-32.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 16.59% | 28.10%-11.5pp | 28.19%-11.6pp | 345.46%-328.9pp |
| Employer contribution / active EE | $2,206 | $3,221-31.5% | $2,521-12.5% | $4,764-53.7% |
| Participant deferral / active EE | $8,159 | $4,778+70.7% | $4,049+101.5% | $5,851+39.4% |
| Admin fee / account holder | $404 | $12,195-96.7% | $7,491-94.6% | $11,601-96.5% |