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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 | $142,299 | $148,558-4.2% | $135,925+4.7% | $139,427+2.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 23.97% | 79.22%-55.3pp | 68.25%-44.3pp | 373.27%-349.3pp |
| Employer contribution / active EE | $4,434 | $5,244-15.4% | $4,857-8.7% | $4,752-6.7% |
| Participant deferral / active EE | $14,934 | $8,101+84.3% | $7,759+92.5% | $6,711+122.5% |
| Admin fee / account holder | $980 | $12,401-92.1% | $10,764-90.9% | $11,404-91.4% |