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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 | $41,867 | $181,062-76.9% | $158,223-73.5% | $155,188-73.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 16.21% | 57.39%-41.2pp | 52.09%-35.9pp | 148.84%-132.6pp |
| Employer contribution / active EE | $3,526 | $4,565-22.7% | $4,109-14.2% | $4,248-17.0% |
| Participant deferral / active EE | $5,452 | $6,134-11.1% | $5,467-0.3% | $6,531-16.5% |
| Admin fee / account holder | $315 | $18,825-98.3% | $16,047-98.0% | $14,480-97.8% |