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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 | $136,782 | $165,399-17.3% | $149,745-8.7% | $158,982-14.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.03% | 348.34%-333.3pp | 276.72%-261.7pp | 302.99%-288.0pp |
| Employer contribution / active EE | $3,924 | $5,105-23.1% | $4,646-15.5% | $4,763-17.6% |
| Participant deferral / active EE | $10,949 | $7,183+52.4% | $6,843+60.0% | $5,983+83.0% |
| Admin fee / account holder | $2,166 | $10,811-80.0% | $9,312-76.7% | $11,252-80.8% |