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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 | $38,614 | $77,460-50.1% | $100,378-61.5% | $80,925-52.3% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 19.10% | 37.24%-18.1pp | 49.41%-30.3pp | 35.65%-16.6pp |
| Employer contribution / active EE | $3,319 | $2,801+18.5% | $3,942-15.8% | $2,756+20.4% |
| Participant deferral / active EE | $11,197 | $6,818+64.2% | $8,087+38.5% | $4,299+160.5% |
| Admin fee / account holder | $795 | $5,887-86.5% | $7,899-89.9% | $6,940-88.5% |