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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 | $78,377 | $165,399-52.6% | $149,745-47.7% | $158,982-50.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.17% | 348.34%-333.2pp | 276.72%-261.6pp | 302.99%-287.8pp |
| Employer contribution / active EE | $4,085 | $5,105-20.0% | $4,646-12.1% | $4,763-14.2% |
| Participant deferral / active EE | $12,066 | $7,183+68.0% | $6,843+76.3% | $5,983+101.6% |
| Admin fee / account holder | $586 | $10,811-94.6% | $9,312-93.7% | $11,252-94.8% |