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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 | $119,231 | $124,346-4.1% | $111,306+7.1% | $167,553-28.8% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 15.10% | 37.46%-22.4pp | 54.67%-39.6pp | 478.89%-463.8pp |
| Employer contribution / active EE | $4,101 | $3,438+19.3% | $2,732+50.1% | $4,840-15.3% |
| Participant deferral / active EE | $7,148 | $5,182+38.0% | $4,488+59.3% | $6,343+12.7% |
| Admin fee / account holder | $1,145 | $10,623-89.2% | $7,966-85.6% | $12,316-90.7% |