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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 | $81,724 | $165,381-50.6% | $149,730-45.4% | $158,966-48.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 23.17% | 348.29%-325.1pp | 276.70%-253.5pp | 302.95%-279.8pp |
| Employer contribution / active EE | $6,983 | $5,104+36.8% | $4,645+50.3% | $4,762+46.6% |
| Participant deferral / active EE | $7,042 | $7,182-2.0% | $6,843+2.9% | $5,983+17.7% |
| Admin fee / account holder | $5,644 | $10,809-47.8% | $9,310-39.4% | $11,250-49.8% |