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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 | $47,189 | $165,399-71.5% | $149,745-68.5% | $158,982-70.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.06% | 348.34%-332.3pp | 276.72%-260.7pp | 302.99%-286.9pp |
| Employer contribution / active EE | $4,906 | $5,105-3.9% | $4,646+5.6% | $4,763+3.0% |
| Participant deferral / active EE | $10,014 | $7,183+39.4% | $6,843+46.3% | $5,983+67.4% |
| Admin fee / account holder | $5,869 | $10,811-45.7% | $9,312-37.0% | $11,252-47.8% |