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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 | $35,323 | $108,825-67.5% | $156,181-77.4% | $82,448-57.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 13.72% | 20.59%-6.9pp | 64.87%-51.2pp | 41.64%-27.9pp |
| Employer contribution / active EE | $2,588 | $2,870-9.8% | $4,294-39.7% | $2,551+1.5% |
| Participant deferral / active EE | $3,998 | $4,577-12.7% | $6,132-34.8% | $4,139-3.4% |
| Admin fee / account holder | $2,727 | $9,341-70.8% | $14,586-81.3% | $7,234-62.3% |