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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 | $98,737 | $126,113-21.7% | $116,096-15.0% | $155,188-36.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 73.3%+26.7pp | 80.8%+19.2pp |
| Annual return | 22.29% | 391.72%-369.4pp | 326.25%-304.0pp | 148.84%-126.6pp |
| Employer contribution / active EE | $3,023 | $2,672+13.2% | $2,503+20.8% | $4,248-28.8% |
| Participant deferral / active EE | $4,628 | $4,162+11.2% | $3,952+17.1% | $6,531-29.1% |
| Admin fee / account holder | $6,422 | $8,045-20.2% | $7,704-16.6% | $14,480-55.6% |