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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 | $156,777 | $165,381-5.2% | $149,730+4.7% | $158,966-1.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.66% | 348.29%-329.6pp | 276.70%-258.0pp | 302.95%-284.3pp |
| Employer contribution / active EE | $1,954 | $5,104-61.7% | $4,645-57.9% | $4,762-59.0% |
| Participant deferral / active EE | $14,335 | $7,182+99.6% | $6,843+109.5% | $5,983+139.6% |
| Admin fee / account holder | $623 | $10,809-94.2% | $9,310-93.3% | $11,250-94.5% |