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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 | $189,946 | $228,395-16.8% | $185,861+2.2% | $158,982+19.5% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 8.12% | 40.82%-32.7pp | 35.96%-27.8pp | 302.99%-294.9pp |
| Employer contribution / active EE | $12,221 | $4,968+146.0% | $4,088+199.0% | $4,763+156.6% |
| Participant deferral / active EE | $9,718 | $6,417+51.4% | $5,634+72.5% | $5,983+62.4% |
| Admin fee / account holder | $2,314 | $11,869-80.5% | $9,503-75.7% | $11,252-79.4% |