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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 | $42,834 | $136,860-68.7% | $120,344-64.4% | $154,746-72.3% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 19.11% | 21.38%-2.3pp | 20.30%-1.2pp | 172.34%-153.2pp |
| Employer contribution / active EE | $3,073 | $3,533-13.0% | $3,020+1.7% | $4,379-29.8% |
| Participant deferral / active EE | $4,053 | $5,793-30.0% | $5,135-21.1% | $6,730-39.8% |
| Admin fee / account holder | $455 | $15,393-97.0% | $12,742-96.4% | $14,365-96.8% |