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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 | $103,723 | $129,737-20.1% | $119,126-12.9% | $154,746-33.0% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 17.20% | 379.08%-361.9pp | 282.11%-264.9pp | 172.34%-155.1pp |
| Employer contribution / active EE | $4,652 | $4,375+6.3% | $4,034+15.3% | $4,379+6.2% |
| Participant deferral / active EE | $6,565 | $5,842+12.4% | $5,318+23.4% | $6,730-2.5% |
| Admin fee / account holder | $461 | $11,961-96.1% | $10,693-95.7% | $14,365-96.8% |