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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 | $106,279 | $165,381-35.7% | $149,730-29.0% | $158,966-33.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.15% | 348.29%-330.1pp | 276.70%-258.5pp | 302.95%-284.8pp |
| Employer contribution / active EE | $4,440 | $5,104-13.0% | $4,645-4.4% | $4,762-6.8% |
| Participant deferral / active EE | $10,813 | $7,182+50.5% | $6,843+58.0% | $5,983+80.7% |
| Admin fee / account holder | $381 | $10,809-96.5% | $9,310-95.9% | $11,250-96.6% |