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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 | $51,657 | $100,970-48.8% | $96,576-46.5% | $137,256-62.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 21.06% | 38.16%-17.1pp | 38.47%-17.4pp | 220.34%-199.3pp |
| Employer contribution / active EE | $4,806 | $3,809+26.2% | $3,553+35.3% | $4,156+15.6% |
| Participant deferral / active EE | $14,247 | $8,286+71.9% | $7,956+79.1% | $6,407+122.4% |
| Admin fee / account holder | $5,103 | $11,312-54.9% | $11,381-55.2% | $12,270-58.4% |