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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 | $95,912 | $134,817-28.9% | $123,973-22.6% | $155,188-38.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 15.16% | 515.49%-500.3pp | 388.13%-373.0pp | 148.84%-133.7pp |
| Employer contribution / active EE | $2,674 | $4,425-39.6% | $4,126-35.2% | $4,248-37.1% |
| Participant deferral / active EE | $6,701 | $5,706+17.4% | $5,247+27.7% | $6,531+2.6% |
| Admin fee / account holder | $1,239 | $13,245-90.6% | $11,799-89.5% | $14,480-91.4% |