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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 | $105,442 | $75,935+38.9% | $60,547+74.1% | $125,388-15.9% |
| Participation rate | 95.8% | 76.5%+19.3pp | 68.0%+27.9pp | 83.2%+12.6pp |
| Annual return | 1.59% | -5.38%+7.0pp | 335.64%-334.1pp | 282.24%-280.6pp |
| Employer contribution / active EE | $4,270 | $3,438+24.2% | $2,419+76.5% | $4,866-12.2% |
| Participant deferral / active EE | $6,904 | $4,506+53.2% | $3,328+107.5% | $5,352+29.0% |
| Admin fee / account holder | $6,634 | $6,768-2.0% | $4,536+46.3% | $9,541-30.5% |