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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 | $48,452 | $102,828-52.9% | $105,387-54.0% | $152,909-68.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 25.57% | 20.85%+4.7pp | 26.82%-1.3pp | 345.46%-319.9pp |
| Employer contribution / active EE | $5,037 | $4,473+12.6% | $4,213+19.5% | $4,764+5.7% |
| Participant deferral / active EE | $8,568 | $5,465+56.8% | $5,502+55.7% | $5,851+46.4% |
| Admin fee / account holder | $455 | $8,683-94.8% | $6,559-93.1% | $11,601-96.1% |