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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 | $40,188 | $88,370-54.5% | $112,977-64.4% | $79,856-49.7% |
| Participation rate | 100.0% | 76.8%+23.2pp | 82.6%+17.4pp | 69.6%+30.4pp |
| Annual return | 38.84% | 23.16%+15.7pp | 24.24%+14.6pp | 31.71%+7.1pp |
| Employer contribution / active EE | $2,418 | $3,398-28.8% | $4,255-43.2% | $2,471-2.1% |
| Participant deferral / active EE | $6,083 | $4,536+34.1% | $5,836+4.2% | $3,741+62.6% |
| Admin fee / account holder | $2,447 | $5,750-57.4% | $6,294-61.1% | $5,306-53.9% |