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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 | $84,294 | $162,136-48.0% | $152,301-44.7% | $154,746-45.5% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 19.45% | 91.02%-71.6pp | 80.50%-61.0pp | 172.34%-152.9pp |
| Employer contribution / active EE | $3,199 | $4,890-34.6% | $4,624-30.8% | $4,379-26.9% |
| Participant deferral / active EE | $5,339 | $8,341-36.0% | $8,004-33.3% | $6,730-20.7% |
| Admin fee / account holder | $537 | $15,759-96.6% | $14,398-96.3% | $14,365-96.3% |