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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 | $39,918 | $93,617-57.4% | $135,982-70.6% | $75,177-46.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 19.16% | 30.89%-11.7pp | 68.32%-49.2pp | 160.75%-141.6pp |
| Employer contribution / active EE | $2,975 | $3,538-15.9% | $4,859-38.8% | $2,671+11.4% |
| Participant deferral / active EE | $8,365 | $6,406+30.6% | $7,760+7.8% | $4,126+102.7% |
| Admin fee / account holder | $723 | $6,980-89.6% | $10,767-93.3% | $5,651-87.2% |