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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 | $83,331 | $100,970-17.5% | $96,576-13.7% | $137,256-39.3% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 19.76% | 38.16%-18.4pp | 38.47%-18.7pp | 220.34%-200.6pp |
| Employer contribution / active EE | $5,139 | $3,809+34.9% | $3,553+44.6% | $4,156+23.7% |
| Participant deferral / active EE | $11,426 | $8,286+37.9% | $7,956+43.6% | $6,407+78.3% |
| Admin fee / account holder | $518 | $11,312-95.4% | $11,381-95.4% | $12,270-95.8% |