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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 | $20,908 | $106,280-80.3% | $96,538-78.3% | $139,487-85.0% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 13.56% | 38.48%-24.9pp | 35.74%-22.2pp | 373.84%-360.3pp |
| Employer contribution / active EE | $3,839 | $4,107-6.5% | $3,740+2.6% | $4,755-19.3% |
| Participant deferral / active EE | $3,357 | $5,457-38.5% | $4,880-31.2% | $6,713-50.0% |
| Admin fee / account holder | $5,597 | $7,888-29.0% | $6,737-16.9% | $11,407-50.9% |