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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 | $59,638 | $113,338-47.4% | $94,993-37.2% | $147,585-59.6% |
| Participation rate | 100.0% | 78.0%+22.0pp | 73.9%+26.1pp | 82.8%+17.2pp |
| Annual return | 17.03% | 20.80%-3.8pp | 27.14%-10.1pp | 578.58%-561.6pp |
| Employer contribution / active EE | $3,588 | $3,160+13.5% | $2,603+37.8% | $4,876-26.4% |
| Participant deferral / active EE | $7,531 | $3,777+99.4% | $3,317+127.1% | $5,439+38.5% |
| Admin fee / account holder | $516 | $6,063-91.5% | $4,960-89.6% | $10,886-95.3% |