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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 | $143,290 | $165,399-13.4% | $149,745-4.3% | $158,982-9.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.19% | 348.34%-338.1pp | 276.72%-266.5pp | 302.99%-292.8pp |
| Employer contribution / active EE | $3,027 | $5,105-40.7% | $4,646-34.9% | $4,763-36.5% |
| Participant deferral / active EE | $7,064 | $7,183-1.7% | $6,843+3.2% | $5,983+18.1% |
| Admin fee / account holder | $579 | $10,811-94.6% | $9,312-93.8% | $11,252-94.9% |