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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 | $39,198 | $93,617-58.1% | $135,982-71.2% | $75,177-47.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 23.21% | 30.89%-7.7pp | 68.32%-45.1pp | 160.75%-137.5pp |
| Employer contribution / active EE | $4,578 | $3,538+29.4% | $4,859-5.8% | $2,671+71.4% |
| Participant deferral / active EE | $8,625 | $6,406+34.6% | $7,760+11.2% | $4,126+109.0% |
| Admin fee / account holder | $4,357 | $6,980-37.6% | $10,767-59.5% | $5,651-22.9% |