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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 | $147,889 | $227,597-35.0% | $189,575-22.0% | $167,536-11.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 16.45% | 78.44%-62.0pp | 64.19%-47.7pp | 478.82%-462.4pp |
| Employer contribution / active EE | $6,207 | $5,316+16.8% | $4,412+40.7% | $4,839+28.3% |
| Participant deferral / active EE | $15,238 | $7,002+117.6% | $6,174+146.8% | $6,342+140.3% |
| Admin fee / account holder | $1,089 | $11,877-90.8% | $9,806-88.9% | $12,315-91.2% |