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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 | $56,919 | $111,814-49.1% | $103,378-44.9% | $145,978-61.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 16.16% | 24.80%-8.6pp | 24.91%-8.8pp | 550.52%-534.4pp |
| Employer contribution / active EE | $2,845 | $4,215-32.5% | $3,870-26.5% | $4,662-39.0% |
| Participant deferral / active EE | $9,035 | $5,618+60.8% | $5,058+78.6% | $6,690+35.1% |
| Admin fee / account holder | $439 | $9,764-95.5% | $8,401-94.8% | $13,400-96.7% |