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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 | $38,351 | $100,970-62.0% | $96,576-60.3% | $137,256-72.1% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 18.46% | 38.16%-19.7pp | 38.47%-20.0pp | 220.34%-201.9pp |
| Employer contribution / active EE | $1,296 | $3,809-66.0% | $3,553-63.5% | $4,156-68.8% |
| Participant deferral / active EE | $11,735 | $8,286+41.6% | $7,956+47.5% | $6,407+83.2% |
| Admin fee / account holder | $5,627 | $11,312-50.3% | $11,381-50.6% | $12,270-54.1% |