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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 | $220,378 | $227,597-3.2% | $189,575+16.2% | $167,536+31.5% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 14.62% | 78.44%-63.8pp | 64.19%-49.6pp | 478.82%-464.2pp |
| Employer contribution / active EE | $40,754 | $5,316+666.6% | $4,412+823.7% | $4,839+742.2% |
| Participant deferral / active EE | $23,218 | $7,002+231.6% | $6,174+276.1% | $6,342+266.1% |
| Admin fee / account holder | $6,924 | $11,877-41.7% | $9,806-29.4% | $12,315-43.8% |