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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 | $20,329 | $99,345-79.5% | $84,753-76.0% | $273,972-92.6% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 15.44% | 22.93%-7.5pp | 22.78%-7.3pp | 41.46%-26.0pp |
| Employer contribution / active EE | $4,259 | $4,214+1.1% | $3,574+19.1% | $4,869-12.5% |
| Participant deferral / active EE | $10,118 | $4,270+137.0% | $3,712+172.6% | $5,287+91.4% |
| Admin fee / account holder | $4,578 | $6,645-31.1% | $5,333-14.2% | $10,133-54.8% |