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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 | $39,312 | $87,834-55.2% | $133,975-70.7% | $62,881-37.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 87.1%+12.9pp | 69.3%+30.7pp |
| Annual return | 21.66% | 12.05%+9.6pp | 29.29%-7.6pp | 20.14%+1.5pp |
| Employer contribution / active EE | $4,154 | $3,482+19.3% | $5,211-20.3% | $2,281+82.1% |
| Participant deferral / active EE | $5,757 | $4,812+19.7% | $6,282-8.3% | $3,203+79.8% |
| Admin fee / account holder | $1,162 | $5,372-78.4% | $9,324-87.5% | $4,296-73.0% |