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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 | $114,699 | $165,361-30.6% | $149,715-23.4% | $158,950-27.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 9.85% | 348.24%-338.4pp | 276.66%-266.8pp | 302.91%-293.1pp |
| Employer contribution / active EE | $4,188 | $5,103-17.9% | $4,645-9.8% | $4,762-12.1% |
| Participant deferral / active EE | $5,045 | $7,182-29.7% | $6,842-26.3% | $5,983-15.7% |
| Admin fee / account holder | $1,589 | $10,808-85.3% | $9,310-82.9% | $11,248-85.9% |