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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 | $38,588 | $115,225-66.5% | $100,712-61.7% | $138,895-72.2% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 25.43% | 40.35%-14.9pp | 33.27%-7.8pp | 145.39%-120.0pp |
| Employer contribution / active EE | $1,635 | $2,771-41.0% | $2,313-29.3% | $4,194-61.0% |
| Participant deferral / active EE | $6,236 | $4,699+32.7% | $4,085+52.6% | $6,396-2.5% |
| Admin fee / account holder | $367 | $10,844-96.6% | $9,256-96.0% | $12,562-97.1% |