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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 | $165,777 | $102,609+61.6% | $98,090+69.0% | $138,895+19.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 21.07% | 36.44%-15.4pp | 37.05%-16.0pp | 145.39%-124.3pp |
| Employer contribution / active EE | $29,033 | $3,867+650.7% | $3,606+705.1% | $4,194+592.2% |
| Participant deferral / active EE | $16,218 | $8,167+98.6% | $7,845+106.7% | $6,396+153.6% |
| Admin fee / account holder | $2,623 | $11,434-77.1% | $11,815-77.8% | $12,562-79.1% |