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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 | $96,929 | $129,737-25.3% | $119,126-18.6% | $154,746-37.4% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 16.77% | 379.08%-362.3pp | 282.11%-265.3pp | 172.34%-155.6pp |
| Employer contribution / active EE | $4,390 | $4,375+0.3% | $4,034+8.8% | $4,379+0.3% |
| Participant deferral / active EE | $16,361 | $5,842+180.1% | $5,318+207.7% | $6,730+143.1% |
| Admin fee / account holder | $1,769 | $11,961-85.2% | $10,693-83.5% | $14,365-87.7% |