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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 | $146,184 | $124,351+17.6% | $109,188+33.9% | $167,553-12.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 15.02% | 26.04%-11.0pp | 25.76%-10.7pp | 478.89%-463.9pp |
| Employer contribution / active EE | $964 | $4,210-77.1% | $3,723-74.1% | $4,840-80.1% |
| Participant deferral / active EE | $4,300 | $5,257-18.2% | $4,654-7.6% | $6,343-32.2% |
| Admin fee / account holder | $1,257 | $7,975-84.2% | $6,755-81.4% | $12,316-89.8% |