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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 | $82,564 | $127,779-35.4% | $106,551-22.5% | $167,518-50.7% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 15.39% | 33.87%-18.5pp | 26.80%-11.4pp | 478.71%-463.3pp |
| Employer contribution / active EE | $2,967 | $3,427-13.4% | $2,819+5.2% | $4,838-38.7% |
| Participant deferral / active EE | $8,442 | $5,088+65.9% | $4,398+91.9% | $6,342+33.1% |
| Admin fee / account holder | $21,596 | $11,228+92.3% | $7,408+191.5% | $12,312+75.4% |