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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 | $37,021 | $153,769-75.9% | $133,975-72.4% | $273,972-86.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 9.28% | 36.51%-27.2pp | 29.29%-20.0pp | 41.46%-32.2pp |
| Employer contribution / active EE | $3,583 | $6,029-40.6% | $5,211-31.2% | $4,869-26.4% |
| Participant deferral / active EE | $6,363 | $6,958-8.6% | $6,282+1.3% | $5,287+20.3% |
| Admin fee / account holder | $823 | $11,765-93.0% | $9,324-91.2% | $10,133-91.9% |