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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 | $91,678 | $162,136-43.5% | $152,301-39.8% | $154,746-40.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 16.39% | 91.02%-74.6pp | 80.50%-64.1pp | 172.34%-155.9pp |
| Employer contribution / active EE | $1,754 | $4,890-64.1% | $4,624-62.1% | $4,379-60.0% |
| Participant deferral / active EE | $11,532 | $8,341+38.3% | $8,004+44.1% | $6,730+71.3% |
| Admin fee / account holder | $767 | $15,759-95.1% | $14,398-94.7% | $14,365-94.7% |