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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 | $98,507 | $165,361-40.4% | $149,715-34.2% | $158,950-38.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 24.36% | 348.24%-323.9pp | 276.66%-252.3pp | 302.91%-278.5pp |
| Employer contribution / active EE | $4,687 | $5,103-8.2% | $4,645+0.9% | $4,762-1.6% |
| Participant deferral / active EE | $10,544 | $7,182+46.8% | $6,842+54.1% | $5,983+76.2% |
| Admin fee / account holder | $800 | $10,808-92.6% | $9,310-91.4% | $11,248-92.9% |