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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 | $60,460 | $110,379-45.2% | $102,412-41.0% | $145,884-58.6% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 11.14% | 24.84%-13.7pp | 24.94%-13.8pp | 551.85%-540.7pp |
| Employer contribution / active EE | $3,918 | $4,216-7.1% | $3,870+1.2% | $4,662-16.0% |
| Participant deferral / active EE | $8,873 | $5,622+57.8% | $5,060+75.3% | $6,690+32.6% |
| Admin fee / account holder | $745 | $9,745-92.4% | $8,388-91.1% | $13,392-94.4% |