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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 | $21,487 | $162,967-86.8% | $135,792-84.2% | $138,895-84.5% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 21.84% | 30.08%-8.2pp | 25.96%-4.1pp | 145.39%-123.6pp |
| Employer contribution / active EE | $2,267 | $4,211-46.2% | $3,496-35.2% | $4,194-46.0% |
| Participant deferral / active EE | $4,303 | $5,640-23.7% | $4,759-9.6% | $6,396-32.7% |
| Admin fee / account holder | $406 | $15,306-97.3% | $12,266-96.7% | $12,562-96.8% |