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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 | $26,717 | $165,361-83.8% | $149,715-82.2% | $158,950-83.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 21.07% | 348.24%-327.2pp | 276.66%-255.6pp | 302.91%-281.8pp |
| Employer contribution / active EE | $3,619 | $5,103-29.1% | $4,645-22.1% | $4,762-24.0% |
| Participant deferral / active EE | $3,999 | $7,182-44.3% | $6,842-41.6% | $5,983-33.2% |
| Admin fee / account holder | $953 | $10,808-91.2% | $9,310-89.8% | $11,248-91.5% |