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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 | $51,060 | $184,014-72.3% | $161,149-68.3% | $138,895-63.2% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 15.70% | 21.52%-5.8pp | 21.16%-5.5pp | 145.39%-129.7pp |
| Employer contribution / active EE | $2,924 | $5,055-42.2% | $4,360-32.9% | $4,194-30.3% |
| Participant deferral / active EE | $6,491 | $6,909-6.1% | $6,153+5.5% | $6,396+1.5% |
| Admin fee / account holder | $577 | $18,027-96.8% | $15,194-96.2% | $12,562-95.4% |