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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 | $22,858 | $72,273-68.4% | $101,275-77.4% | $79,856-71.4% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 21.63% | 22.30%-0.7pp | 46.48%-24.8pp | 31.71%-10.1pp |
| Employer contribution / active EE | $3,241 | $2,691+20.4% | $3,660-11.5% | $2,471+31.1% |
| Participant deferral / active EE | $3,730 | $3,282+13.7% | $4,371-14.7% | $3,741-0.3% |
| Admin fee / account holder | $583 | $4,401-86.8% | $5,948-90.2% | $5,306-89.0% |