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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 | $28,568 | $102,609-72.2% | $98,090-70.9% | $138,895-79.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 26.62% | 36.44%-9.8pp | 37.05%-10.4pp | 145.39%-118.8pp |
| Employer contribution / active EE | $1,434 | $3,867-62.9% | $3,606-60.2% | $4,194-65.8% |
| Participant deferral / active EE | $4,119 | $8,167-49.6% | $7,845-47.5% | $6,396-35.6% |
| Admin fee / account holder | $358 | $11,434-96.9% | $11,815-97.0% | $12,562-97.2% |