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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 | $77,400 | $165,361-53.2% | $149,715-48.3% | $158,950-51.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 20.81% | 348.24%-327.4pp | 276.66%-255.8pp | 302.91%-282.1pp |
| Employer contribution / active EE | $5,677 | $5,103+11.2% | $4,645+22.2% | $4,762+19.2% |
| Participant deferral / active EE | $28,357 | $7,182+294.9% | $6,842+314.4% | $5,983+374.0% |
| Admin fee / account holder | $384 | $10,808-96.4% | $9,310-95.9% | $11,248-96.6% |