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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 | $102,609-62.7% | $98,090-61.0% | $138,895-72.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 19.86% | 36.44%-16.6pp | 37.05%-17.2pp | 145.39%-125.5pp |
| Employer contribution / active EE | $1,799 | $3,867-53.5% | $3,606-50.1% | $4,194-57.1% |
| Participant deferral / active EE | $4,098 | $8,167-49.8% | $7,845-47.8% | $6,396-35.9% |
| Admin fee / account holder | $829 | $11,434-92.8% | $11,815-93.0% | $12,562-93.4% |