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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 | $37,181 | $161,352-77.0% | $134,172-72.3% | $137,256-72.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 11.77% | 28.72%-16.9pp | 25.30%-13.5pp | 220.34%-208.6pp |
| Employer contribution / active EE | $12,688 | $4,099+209.6% | $3,420+271.0% | $4,156+205.3% |
| Participant deferral / active EE | $19,633 | $5,552+253.6% | $4,690+318.6% | $6,407+206.4% |
| Admin fee / account holder | $463 | $15,028-96.9% | $12,016-96.1% | $12,270-96.2% |