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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 | $73,796 | $165,351-55.4% | $149,710-50.7% | $158,931-53.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 10.67% | 348.19%-337.5pp | 276.63%-266.0pp | 302.86%-292.2pp |
| Employer contribution / active EE | $4,208 | $5,103-17.5% | $4,645-9.4% | $4,761-11.6% |
| Participant deferral / active EE | $14,676 | $7,181+104.4% | $6,842+114.5% | $5,982+145.3% |
| Admin fee / account holder | $7,326 | $10,807-32.2% | $9,309-21.3% | $11,247-34.9% |