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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 | $104,927 | $165,381-36.6% | $149,730-29.9% | $158,966-34.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 9.08% | 348.29%-339.2pp | 276.70%-267.6pp | 302.95%-293.9pp |
| Employer contribution / active EE | $5,617 | $5,104+10.1% | $4,645+20.9% | $4,762+18.0% |
| Participant deferral / active EE | $3,215 | $7,182-55.2% | $6,843-53.0% | $5,983-46.3% |
| Admin fee / account holder | $7,371 | $10,809-31.8% | $9,310-20.8% | $11,250-34.5% |