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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 | $99,385 | $165,381-39.9% | $149,730-33.6% | $158,966-37.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 22.88% | 348.29%-325.4pp | 276.70%-253.8pp | 302.95%-280.1pp |
| Employer contribution / active EE | $4,467 | $5,104-12.5% | $4,645-3.8% | $4,762-6.2% |
| Participant deferral / active EE | $9,365 | $7,182+30.4% | $6,843+36.9% | $5,983+56.5% |
| Admin fee / account holder | $3,965 | $10,809-63.3% | $9,310-57.4% | $11,250-64.8% |