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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 | $84,478 | $162,136-47.9% | $152,301-44.5% | $154,746-45.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 15.51% | 91.02%-75.5pp | 80.50%-65.0pp | 172.34%-156.8pp |
| Employer contribution / active EE | $4,503 | $4,890-7.9% | $4,624-2.6% | $4,379+2.8% |
| Participant deferral / active EE | $9,222 | $8,341+10.6% | $8,004+15.2% | $6,730+37.0% |
| Admin fee / account holder | $5,838 | $15,759-63.0% | $14,398-59.5% | $14,365-59.4% |