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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 | $148,236 | $182,442-18.7% | $163,379-9.3% | $138,895+6.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 15.45% | 72.74%-57.3pp | 63.41%-48.0pp | 145.39%-129.9pp |
| Employer contribution / active EE | $7,094 | $4,159+70.5% | $3,752+89.0% | $4,194+69.1% |
| Participant deferral / active EE | $17,754 | $6,817+160.4% | $6,282+182.6% | $6,396+177.6% |
| Admin fee / account holder | $616 | $10,396-94.1% | $9,818-93.7% | $12,562-95.1% |