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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 | $145,767 | $175,259-16.8% | $149,723-2.6% | $139,487+4.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 11.71% | 166.82%-155.1pp | 134.50%-122.8pp | 373.84%-362.1pp |
| Employer contribution / active EE | $3,862 | $5,478-29.5% | $4,821-19.9% | $4,755-18.8% |
| Participant deferral / active EE | $8,576 | $6,522+31.5% | $5,682+50.9% | $6,713+27.8% |
| Admin fee / account holder | $356 | $16,158-97.8% | $13,215-97.3% | $11,407-96.9% |