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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 | $119,417 | $165,381-27.8% | $149,730-20.2% | $158,966-24.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 21.91% | 348.29%-326.4pp | 276.70%-254.8pp | 302.95%-281.0pp |
| Employer contribution / active EE | $7,295 | $5,104+42.9% | $4,645+57.1% | $4,762+53.2% |
| Participant deferral / active EE | $7,155 | $7,182-0.4% | $6,843+4.6% | $5,983+19.6% |
| Admin fee / account holder | $977 | $10,809-91.0% | $9,310-89.5% | $11,250-91.3% |