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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 | $79,409 | $165,381-52.0% | $149,730-47.0% | $158,966-50.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 19.52% | 348.29%-328.8pp | 276.70%-257.2pp | 302.95%-283.4pp |
| Employer contribution / active EE | $3,508 | $5,104-31.3% | $4,645-24.5% | $4,762-26.3% |
| Participant deferral / active EE | $8,416 | $7,182+17.2% | $6,843+23.0% | $5,983+40.7% |
| Admin fee / account holder | $1,326 | $10,809-87.7% | $9,310-85.8% | $11,250-88.2% |