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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 | $32,487 | $184,014-82.3% | $161,149-79.8% | $138,895-76.6% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 25.28% | 21.52%+3.8pp | 21.16%+4.1pp | 145.39%-120.1pp |
| Employer contribution / active EE | $4,184 | $5,055-17.2% | $4,360-4.1% | $4,194-0.3% |
| Participant deferral / active EE | $7,694 | $6,909+11.4% | $6,153+25.0% | $6,396+20.3% |
| Admin fee / account holder | $553 | $18,027-96.9% | $15,194-96.4% | $12,562-95.6% |