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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 | $83,543 | $165,399-49.5% | $149,745-44.2% | $158,982-47.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.11% | 348.34%-336.2pp | 276.72%-264.6pp | 302.99%-290.9pp |
| Employer contribution / active EE | $7,977 | $5,105+56.3% | $4,646+71.7% | $4,763+67.5% |
| Participant deferral / active EE | $5,624 | $7,183-21.7% | $6,843-17.8% | $5,983-6.0% |
| Admin fee / account holder | $807 | $10,811-92.5% | $9,312-91.3% | $11,252-92.8% |