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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 | $38,498 | $112,729-65.8% | $98,716-61.0% | $137,256-72.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 18.49% | 38.48%-20.0pp | 31.81%-13.3pp | 220.34%-201.9pp |
| Employer contribution / active EE | $3,760 | $2,725+38.0% | $2,279+65.0% | $4,156-9.5% |
| Participant deferral / active EE | $4,032 | $4,640-13.1% | $4,048-0.4% | $6,407-37.1% |
| Admin fee / account holder | $543 | $10,129-94.6% | $8,703-93.8% | $12,270-95.6% |