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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 | $127,836 | $165,381-22.7% | $149,730-14.6% | $158,966-19.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 8.90% | 348.29%-339.4pp | 276.70%-267.8pp | 302.95%-294.1pp |
| Employer contribution / active EE | $2,728 | $5,104-46.6% | $4,645-41.3% | $4,762-42.7% |
| Participant deferral / active EE | $13,553 | $7,182+88.7% | $6,843+98.1% | $5,983+126.5% |
| Admin fee / account holder | $1,919 | $10,809-82.2% | $9,310-79.4% | $11,250-82.9% |