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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 | $98,195 | $165,361-40.6% | $149,715-34.4% | $158,950-38.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.57% | 348.24%-331.7pp | 276.66%-260.1pp | 302.91%-286.3pp |
| Employer contribution / active EE | $1,725 | $5,103-66.2% | $4,645-62.9% | $4,762-63.8% |
| Participant deferral / active EE | $6,469 | $7,182-9.9% | $6,842-5.4% | $5,983+8.1% |
| Admin fee / account holder | $11,594 | $10,808+7.3% | $9,310+24.5% | $11,248+3.1% |