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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 | $57,028 | $124,425-54.2% | $112,040-49.1% | $137,256-58.5% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 19.43% | 24.72%-5.3pp | 24.52%-5.1pp | 220.34%-200.9pp |
| Employer contribution / active EE | $2,241 | $3,411-34.3% | $2,954-24.1% | $4,156-46.1% |
| Participant deferral / active EE | $10,791 | $5,718+88.7% | $5,098+111.7% | $6,407+68.4% |
| Admin fee / account holder | $369 | $15,207-97.6% | $12,098-96.9% | $12,270-97.0% |