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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 | $170,099 | $201,344-15.5% | $184,243-7.7% | $145,877+16.6% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 16.79% | 29.01%-12.2pp | 28.82%-12.0pp | 551.28%-534.5pp |
| Employer contribution / active EE | $12,348 | $7,022+75.8% | $6,427+92.1% | $4,663+164.8% |
| Participant deferral / active EE | $17,673 | $9,807+80.2% | $9,132+93.5% | $6,691+164.1% |
| Admin fee / account holder | $585 | $16,382-96.4% | $13,914-95.8% | $13,402-95.6% |