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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 | $48,317 | $100,970-52.1% | $96,576-50.0% | $137,256-64.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 19.81% | 38.16%-18.4pp | 38.47%-18.7pp | 220.34%-200.5pp |
| Employer contribution / active EE | $3,865 | $3,809+1.5% | $3,553+8.8% | $4,156-7.0% |
| Participant deferral / active EE | $9,194 | $8,286+11.0% | $7,956+15.6% | $6,407+43.5% |
| Admin fee / account holder | $514 | $11,312-95.5% | $11,381-95.5% | $12,270-95.8% |