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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 | $98,199 | $165,399-40.6% | $149,745-34.4% | $158,982-38.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.27% | 348.34%-334.1pp | 276.72%-262.5pp | 302.99%-288.7pp |
| Employer contribution / active EE | $6,224 | $5,105+21.9% | $4,646+34.0% | $4,763+30.7% |
| Participant deferral / active EE | $4,622 | $7,183-35.6% | $6,843-32.5% | $5,983-22.7% |
| Admin fee / account holder | $893 | $10,811-91.7% | $9,312-90.4% | $11,252-92.1% |