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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 | $40,854 | $115,917-64.8% | $100,535-59.4% | $158,982-74.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 15.75% | 34.80%-19.1pp | 30.90%-15.1pp | 302.99%-287.2pp |
| Employer contribution / active EE | $949 | $4,105-76.9% | $3,419-72.2% | $4,763-80.1% |
| Participant deferral / active EE | $3,434 | $6,677-48.6% | $6,271-45.2% | $5,983-42.6% |
| Admin fee / account holder | $403 | $11,002-96.3% | $8,085-95.0% | $11,252-96.4% |