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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 | $138,030 | $165,361-16.5% | $149,715-7.8% | $158,950-13.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.52% | 348.24%-332.7pp | 276.66%-261.1pp | 302.91%-287.4pp |
| Employer contribution / active EE | $8,126 | $5,103+59.2% | $4,645+74.9% | $4,762+70.6% |
| Participant deferral / active EE | $4,712 | $7,182-34.4% | $6,842-31.1% | $5,983-21.2% |
| Admin fee / account holder | $7,241 | $10,808-33.0% | $9,310-22.2% | $11,248-35.6% |