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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 | $38,359 | $103,393-62.9% | $87,103-56.0% | $152,909-74.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 22.89% | 28.10%-5.2pp | 28.19%-5.3pp | 345.46%-322.6pp |
| Employer contribution / active EE | $818 | $3,221-74.6% | $2,521-67.6% | $4,764-82.8% |
| Participant deferral / active EE | $3,871 | $4,778-19.0% | $4,049-4.4% | $5,851-33.8% |
| Admin fee / account holder | $3,391 | $12,195-72.2% | $7,491-54.7% | $11,601-70.8% |