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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 | $37,493 | $217,432-82.8% | $185,851-79.8% | $167,553-77.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.85% | 148.43%-135.6pp | 122.11%-109.3pp | 478.89%-466.0pp |
| Employer contribution / active EE | $1,592 | $5,874-72.9% | $5,168-69.2% | $4,840-67.1% |
| Participant deferral / active EE | $5,892 | $6,357-7.3% | $5,569+5.8% | $6,343-7.1% |
| Admin fee / account holder | $384 | $19,820-98.1% | $16,245-97.6% | $12,316-96.9% |