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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 | $41,621 | $93,598-55.5% | $135,974-69.4% | $75,173-44.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 22.99% | 30.89%-7.9pp | 68.30%-45.3pp | 160.72%-137.7pp |
| Employer contribution / active EE | $3,687 | $3,538+4.2% | $4,859-24.1% | $2,671+38.0% |
| Participant deferral / active EE | $10,029 | $6,405+56.6% | $7,760+29.2% | $4,126+143.0% |
| Admin fee / account holder | $4,203 | $6,978-39.8% | $10,767-61.0% | $5,651-25.6% |