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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 | $40,121 | $124,980-67.9% | $108,359-63.0% | $154,746-74.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 18.15% | 45.00%-26.8pp | 36.89%-18.7pp | 172.34%-154.2pp |
| Employer contribution / active EE | $5,831 | $2,851+104.6% | $2,399+143.0% | $4,379+33.2% |
| Participant deferral / active EE | $4,091 | $4,743-13.7% | $4,137-1.1% | $6,730-39.2% |
| Admin fee / account holder | $584 | $11,502-94.9% | $9,741-94.0% | $14,365-95.9% |