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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 | $74,147 | $162,136-54.3% | $152,301-51.3% | $154,746-52.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 16.55% | 91.02%-74.5pp | 80.50%-63.9pp | 172.34%-155.8pp |
| Employer contribution / active EE | $3,844 | $4,890-21.4% | $4,624-16.9% | $4,379-12.2% |
| Participant deferral / active EE | $9,464 | $8,341+13.5% | $8,004+18.2% | $6,730+40.6% |
| Admin fee / account holder | $4,493 | $15,759-71.5% | $14,398-68.8% | $14,365-68.7% |