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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 | $39,023 | $165,361-76.4% | $149,715-73.9% | $158,950-75.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.90% | 348.24%-332.3pp | 276.66%-260.8pp | 302.91%-287.0pp |
| Employer contribution / active EE | $2,888 | $5,103-43.4% | $4,645-37.8% | $4,762-39.4% |
| Participant deferral / active EE | $8,706 | $7,182+21.2% | $6,842+27.2% | $5,983+45.5% |
| Admin fee / account holder | $5,344 | $10,808-50.6% | $9,310-42.6% | $11,248-52.5% |