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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 | $48,252 | $100,970-52.2% | $96,576-50.0% | $137,256-64.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 21.90% | 38.16%-16.3pp | 38.47%-16.6pp | 220.34%-198.4pp |
| Employer contribution / active EE | $4,579 | $3,809+20.2% | $3,553+28.9% | $4,156+10.2% |
| Participant deferral / active EE | $7,336 | $8,286-11.5% | $7,956-7.8% | $6,407+14.5% |
| Admin fee / account holder | $3,653 | $11,312-67.7% | $11,381-67.9% | $12,270-70.2% |