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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 | $37,615 | $165,351-77.3% | $149,710-74.9% | $158,931-76.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.62% | 348.19%-335.6pp | 276.63%-264.0pp | 302.86%-290.2pp |
| Employer contribution / active EE | $1,490 | $5,103-70.8% | $4,645-67.9% | $4,761-68.7% |
| Participant deferral / active EE | $13,699 | $7,181+90.7% | $6,842+100.2% | $5,982+129.0% |
| Admin fee / account holder | $6,167 | $10,807-42.9% | $9,309-33.8% | $11,247-45.2% |