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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 | $85,585 | $197,637-56.7% | $177,848-51.9% | $158,982-46.2% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 13.69% | 58.77%-45.1pp | 48.33%-34.6pp | 302.99%-289.3pp |
| Employer contribution / active EE | $3,581 | $6,698-46.5% | $5,919-39.5% | $4,763-24.8% |
| Participant deferral / active EE | $13,888 | $8,405+65.2% | $7,714+80.0% | $5,983+132.1% |
| Admin fee / account holder | $1,274 | $15,406-91.7% | $12,431-89.8% | $11,252-88.7% |