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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 | $107,411 | $184,014-41.6% | $161,149-33.3% | $138,895-22.7% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 17.20% | 21.52%-4.3pp | 21.16%-4.0pp | 145.39%-128.2pp |
| Employer contribution / active EE | $2,453 | $5,055-51.5% | $4,360-43.7% | $4,194-41.5% |
| Participant deferral / active EE | $22,533 | $6,909+226.1% | $6,153+266.2% | $6,396+252.3% |
| Admin fee / account holder | $687 | $18,027-96.2% | $15,194-95.5% | $12,562-94.5% |