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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 | $48,507 | $123,793-60.8% | $177,848-72.7% | $79,856-39.3% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.7%+12.3pp | 69.6%+30.4pp |
| Annual return | 27.90% | 22.82%+5.1pp | 48.33%-20.4pp | 31.71%-3.8pp |
| Employer contribution / active EE | $4,705 | $4,095+14.9% | $5,919-20.5% | $2,471+90.4% |
| Participant deferral / active EE | $10,193 | $5,956+71.1% | $7,714+32.1% | $3,741+172.5% |
| Admin fee / account holder | $2,104 | $7,243-71.0% | $12,431-83.1% | $5,306-60.4% |