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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 | $59,461 | $111,535-46.7% | $105,223-43.5% | $137,256-56.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.46% | 237.85%-220.4pp | 180.65%-163.2pp | 220.34%-202.9pp |
| Employer contribution / active EE | $3,980 | $3,939+1.0% | $3,689+7.9% | $4,156-4.2% |
| Participant deferral / active EE | $8,502 | $5,500+54.6% | $5,072+67.6% | $6,407+32.7% |
| Admin fee / account holder | $1,215 | $9,721-87.5% | $8,859-86.3% | $12,270-90.1% |