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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 | $40,110 | $184,014-78.2% | $161,149-75.1% | $138,895-71.1% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 22.85% | 21.52%+1.3pp | 21.16%+1.7pp | 145.39%-122.5pp |
| Employer contribution / active EE | $3,027 | $5,055-40.1% | $4,360-30.6% | $4,194-27.8% |
| Participant deferral / active EE | $5,138 | $6,909-25.6% | $6,153-16.5% | $6,396-19.7% |
| Admin fee / account holder | $971 | $18,027-94.6% | $15,194-93.6% | $12,562-92.3% |