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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 | $161,462 | $127,790+26.3% | $106,555+51.5% | $167,536-3.6% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 8.86% | 33.88%-25.0pp | 26.80%-17.9pp | 478.82%-470.0pp |
| Employer contribution / active EE | $1,660 | $3,428-51.6% | $2,819-41.1% | $4,839-65.7% |
| Participant deferral / active EE | $3,864 | $5,088-24.1% | $4,399-12.2% | $6,342-39.1% |
| Admin fee / account holder | $1,466 | $11,229-86.9% | $7,408-80.2% | $12,315-88.1% |