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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 | $93,661 | $165,399-43.4% | $149,745-37.5% | $158,982-41.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.02% | 348.34%-333.3pp | 276.72%-261.7pp | 302.99%-288.0pp |
| Employer contribution / active EE | $3,720 | $5,105-27.1% | $4,646-19.9% | $4,763-21.9% |
| Participant deferral / active EE | $9,477 | $7,183+31.9% | $6,843+38.5% | $5,983+58.4% |
| Admin fee / account holder | $9,862 | $10,811-8.8% | $9,312+5.9% | $11,252-12.4% |