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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 | $59,384 | $129,737-54.2% | $119,126-50.2% | $154,746-61.6% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 16.87% | 379.08%-362.2pp | 282.11%-265.2pp | 172.34%-155.5pp |
| Employer contribution / active EE | $2,912 | $4,375-33.5% | $4,034-27.8% | $4,379-33.5% |
| Participant deferral / active EE | $11,195 | $5,842+91.6% | $5,318+110.5% | $6,730+66.3% |
| Admin fee / account holder | $13,102 | $11,961+9.5% | $10,693+22.5% | $14,365-8.8% |