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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 | $37,739 | $115,917-67.4% | $100,535-62.5% | $158,982-76.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 18.70% | 34.80%-16.1pp | 30.90%-12.2pp | 302.99%-284.3pp |
| Employer contribution / active EE | $4,824 | $4,105+17.5% | $3,419+41.1% | $4,763+1.3% |
| Participant deferral / active EE | $8,343 | $6,677+25.0% | $6,271+33.0% | $5,983+39.4% |
| Admin fee / account holder | $1,181 | $11,002-89.3% | $8,085-85.4% | $11,252-89.5% |