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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 | $38,230 | $107,666-64.5% | $102,184-62.6% | $154,746-75.3% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 19.86% | 29.33%-9.5pp | 31.58%-11.7pp | 172.34%-152.5pp |
| Employer contribution / active EE | $1,799 | $3,846-53.2% | $3,594-49.9% | $4,379-58.9% |
| Participant deferral / active EE | $4,098 | $8,719-53.0% | $8,309-50.7% | $6,730-39.1% |
| Admin fee / account holder | $829 | $12,943-93.6% | $11,609-92.9% | $14,365-94.2% |