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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 | $141,683 | $165,399-14.3% | $149,745-5.4% | $158,982-10.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.72% | 348.34%-332.6pp | 276.72%-261.0pp | 302.99%-287.3pp |
| Employer contribution / active EE | $6,962 | $5,105+36.4% | $4,646+49.9% | $4,763+46.2% |
| Participant deferral / active EE | $22,674 | $7,183+215.7% | $6,843+231.3% | $5,983+278.9% |
| Admin fee / account holder | $1,428 | $10,811-86.8% | $9,312-84.7% | $11,252-87.3% |