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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 | $66,179 | $115,225-42.6% | $100,712-34.3% | $138,895-52.4% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 20.74% | 40.35%-19.6pp | 33.27%-12.5pp | 145.39%-124.7pp |
| Employer contribution / active EE | $3,020 | $2,771+9.0% | $2,313+30.6% | $4,194-28.0% |
| Participant deferral / active EE | $13,150 | $4,699+179.8% | $4,085+221.9% | $6,396+105.6% |
| Admin fee / account holder | $847 | $10,844-92.2% | $9,256-90.8% | $12,562-93.3% |