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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 | $48,082 | $196,972-75.6% | $182,262-73.6% | $198,609-75.8% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 18.05% | 158.27%-140.2pp | 140.60%-122.5pp | 202.70%-184.6pp |
| Employer contribution / active EE | $3,697 | $5,364-31.1% | $5,046-26.7% | $5,055-26.9% |
| Participant deferral / active EE | $13,055 | $8,643+51.1% | $8,276+57.7% | $6,977+87.1% |
| Admin fee / account holder | $659 | $18,429-96.4% | $16,712-96.1% | $19,030-96.5% |