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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 | $49,050 | $124,314-60.5% | $109,163-55.1% | $167,518-70.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 21.67% | 26.04%-4.4pp | 25.75%-4.1pp | 478.71%-457.0pp |
| Employer contribution / active EE | $3,018 | $4,209-28.3% | $3,723-18.9% | $4,838-37.6% |
| Participant deferral / active EE | $5,179 | $5,256-1.5% | $4,654+11.3% | $6,342-18.3% |
| Admin fee / account holder | $2,734 | $7,973-65.7% | $6,754-59.5% | $12,312-77.8% |