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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 | $158,675 | $176,794-10.2% | $146,647+8.2% | $167,553-5.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 8.96% | 24.04%-15.1pp | 22.75%-13.8pp | 478.89%-469.9pp |
| Employer contribution / active EE | $1,354 | $5,161-73.8% | $4,137-67.3% | $4,840-72.0% |
| Participant deferral / active EE | $15,220 | $6,440+136.3% | $5,506+176.4% | $6,343+140.0% |
| Admin fee / account holder | $1,702 | $13,262-87.2% | $10,281-83.4% | $12,316-86.2% |