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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 | $31,810 | $154,228-79.4% | $145,433-78.1% | $137,256-76.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 23.56% | 74.59%-51.0pp | 66.58%-43.0pp | 220.34%-196.8pp |
| Employer contribution / active EE | $6,090 | $4,804+26.8% | $4,554+33.7% | $4,156+46.5% |
| Participant deferral / active EE | $5,044 | $8,216-38.6% | $7,897-36.1% | $6,407-21.3% |
| Admin fee / account holder | $322 | $14,344-97.8% | $13,129-97.5% | $12,270-97.4% |