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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 | $52,890 | $107,666-50.9% | $102,184-48.2% | $154,746-65.8% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 19.32% | 29.33%-10.0pp | 31.58%-12.3pp | 172.34%-153.0pp |
| Employer contribution / active EE | $3,061 | $3,846-20.4% | $3,594-14.8% | $4,379-30.1% |
| Participant deferral / active EE | $3,830 | $8,719-56.1% | $8,309-53.9% | $6,730-43.1% |
| Admin fee / account holder | $592 | $12,943-95.4% | $11,609-94.9% | $14,365-95.9% |