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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 | $79,774 | $165,399-51.8% | $149,745-46.7% | $158,982-49.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.28% | 348.34%-332.1pp | 276.72%-260.4pp | 302.99%-286.7pp |
| Employer contribution / active EE | $3,502 | $5,105-31.4% | $4,646-24.6% | $4,763-26.5% |
| Participant deferral / active EE | $11,094 | $7,183+54.4% | $6,843+62.1% | $5,983+85.4% |
| Admin fee / account holder | $2,233 | $10,811-79.3% | $9,312-76.0% | $11,252-80.2% |