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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 | $107,666-62.3% | $102,184-60.3% | $154,746-73.8% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 21.36% | 29.33%-8.0pp | 31.58%-10.2pp | 172.34%-151.0pp |
| Employer contribution / active EE | $1,686 | $3,846-56.2% | $3,594-53.1% | $4,379-61.5% |
| Participant deferral / active EE | $5,370 | $8,719-38.4% | $8,309-35.4% | $6,730-20.2% |
| Admin fee / account holder | $857 | $12,943-93.4% | $11,609-92.6% | $14,365-94.0% |