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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 | $101,772 | $129,737-21.6% | $119,126-14.6% | $154,746-34.2% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 18.14% | 379.08%-360.9pp | 282.11%-264.0pp | 172.34%-154.2pp |
| Employer contribution / active EE | $5,600 | $4,375+28.0% | $4,034+38.8% | $4,379+27.9% |
| Participant deferral / active EE | $3,516 | $5,842-39.8% | $5,318-33.9% | $6,730-47.8% |
| Admin fee / account holder | $5,488 | $11,961-54.1% | $10,693-48.7% | $14,365-61.8% |