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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 | $15,374 | $112,729-86.4% | $98,716-84.4% | $137,256-88.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 19.83% | 38.48%-18.7pp | 31.81%-12.0pp | 220.34%-200.5pp |
| Employer contribution / active EE | $3,453 | $2,725+26.7% | $2,279+51.5% | $4,156-16.9% |
| Participant deferral / active EE | $5,837 | $4,640+25.8% | $4,048+44.2% | $6,407-8.9% |
| Admin fee / account holder | $809 | $10,129-92.0% | $8,703-90.7% | $12,270-93.4% |