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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 | $69,034 | $165,381-58.3% | $149,730-53.9% | $158,966-56.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.01% | 348.29%-331.3pp | 276.70%-259.7pp | 302.95%-285.9pp |
| Employer contribution / active EE | $3,907 | $5,104-23.5% | $4,645-15.9% | $4,762-18.0% |
| Participant deferral / active EE | $8,992 | $7,182+25.2% | $6,843+31.4% | $5,983+50.3% |
| Admin fee / account holder | $8,354 | $10,809-22.7% | $9,310-10.3% | $11,250-25.7% |