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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 | $40,591 | $100,970-59.8% | $96,576-58.0% | $137,256-70.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 21.36% | 38.16%-16.8pp | 38.47%-17.1pp | 220.34%-199.0pp |
| Employer contribution / active EE | $1,686 | $3,809-55.7% | $3,553-52.6% | $4,156-59.4% |
| Participant deferral / active EE | $5,370 | $8,286-35.2% | $7,956-32.5% | $6,407-16.2% |
| Admin fee / account holder | $857 | $11,312-92.4% | $11,381-92.5% | $12,270-93.0% |