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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 | $92,988 | $165,381-43.8% | $149,730-37.9% | $158,966-41.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.93% | 348.29%-332.4pp | 276.70%-260.8pp | 302.95%-287.0pp |
| Employer contribution / active EE | $2,706 | $5,104-47.0% | $4,645-41.7% | $4,762-43.2% |
| Participant deferral / active EE | $10,536 | $7,182+46.7% | $6,843+54.0% | $5,983+76.1% |
| Admin fee / account holder | $345 | $10,809-96.8% | $9,310-96.3% | $11,250-96.9% |