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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 | $105,564 | $165,381-36.2% | $149,730-29.5% | $158,966-33.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.95% | 348.29%-329.3pp | 276.70%-257.8pp | 302.95%-284.0pp |
| Employer contribution / active EE | $2,854 | $5,104-44.1% | $4,645-38.6% | $4,762-40.1% |
| Participant deferral / active EE | $7,043 | $7,182-1.9% | $6,843+2.9% | $5,983+17.7% |
| Admin fee / account holder | $636 | $10,809-94.1% | $9,310-93.2% | $11,250-94.3% |