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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 | $28,644 | $105,623-72.9% | $87,502-67.3% | $273,972-89.5% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 6.74% | 12.26%-5.5pp | 12.21%-5.5pp | 41.46%-34.7pp |
| Employer contribution / active EE | $1,703 | $3,141-45.8% | $2,550-33.2% | $4,869-65.0% |
| Participant deferral / active EE | $3,969 | $3,601+10.2% | $3,149+26.0% | $5,287-24.9% |
| Admin fee / account holder | $854 | $4,781-82.1% | $4,221-79.8% | $10,133-91.6% |