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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 | $69,604 | $103,393-32.7% | $87,103-20.1% | $152,909-54.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 20.93% | 28.10%-7.2pp | 28.19%-7.3pp | 345.46%-324.5pp |
| Employer contribution / active EE | $1,590 | $3,221-50.6% | $2,521-37.0% | $4,764-66.6% |
| Participant deferral / active EE | $4,023 | $4,778-15.8% | $4,049-0.6% | $5,851-31.2% |
| Admin fee / account holder | $311 | $12,195-97.5% | $7,491-95.9% | $11,601-97.3% |