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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 | $74,133 | $162,136-54.3% | $152,301-51.3% | $154,746-52.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 15.54% | 91.02%-75.5pp | 80.50%-65.0pp | 172.34%-156.8pp |
| Employer contribution / active EE | $1,948 | $4,890-60.2% | $4,624-57.9% | $4,379-55.5% |
| Participant deferral / active EE | $9,410 | $8,341+12.8% | $8,004+17.6% | $6,730+39.8% |
| Admin fee / account holder | $424 | $15,759-97.3% | $14,398-97.1% | $14,365-97.1% |