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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 | $129,737-54.2% | $119,126-50.1% | $154,746-61.6% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 17.46% | 379.08%-361.6pp | 282.11%-264.7pp | 172.34%-154.9pp |
| Employer contribution / active EE | $3,980 | $4,375-9.0% | $4,034-1.3% | $4,379-9.1% |
| Participant deferral / active EE | $8,502 | $5,842+45.5% | $5,318+59.9% | $6,730+26.3% |
| Admin fee / account holder | $1,215 | $11,961-89.8% | $10,693-88.6% | $14,365-91.5% |