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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 | $39,154 | $174,379-77.5% | $152,093-74.3% | $138,895-71.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 12.96% | 74.86%-61.9pp | 66.36%-53.4pp | 145.39%-132.4pp |
| Employer contribution / active EE | $2,699 | $4,652-42.0% | $4,175-35.3% | $4,194-35.6% |
| Participant deferral / active EE | $7,315 | $6,159+18.8% | $5,451+34.2% | $6,396+14.4% |
| Admin fee / account holder | $8,908 | $16,880-47.2% | $14,497-38.6% | $12,562-29.1% |