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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 | $71,589 | $165,381-56.7% | $149,730-52.2% | $158,966-55.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.38% | 348.29%-335.9pp | 276.70%-264.3pp | 302.95%-290.6pp |
| Employer contribution / active EE | $4,903 | $5,104-4.0% | $4,645+5.5% | $4,762+2.9% |
| Participant deferral / active EE | $9,362 | $7,182+30.3% | $6,843+36.8% | $5,983+56.5% |
| Admin fee / account holder | $10,796 | $10,809-0.1% | $9,310+16.0% | $11,250-4.0% |