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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 | $48,002 | $175,231-72.6% | $149,696-67.9% | $139,466-65.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 20.34% | 166.77%-146.4pp | 134.46%-114.1pp | 373.66%-353.3pp |
| Employer contribution / active EE | $5,049 | $5,478-7.8% | $4,821+4.7% | $4,754+6.2% |
| Participant deferral / active EE | $8,281 | $6,521+27.0% | $5,682+45.7% | $6,712+23.4% |
| Admin fee / account holder | $737 | $16,155-95.4% | $13,212-94.4% | $11,409-93.5% |