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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 | $35,742 | $46,877-23.8% | $122,354-70.8% | $70,126-49.0% |
| Participation rate | 100.0% | 58.2%+41.8pp | 71.6%+28.4pp | 69.5%+30.5pp |
| Annual return | 21.93% | 24.22%-2.3pp | 30.28%-8.3pp | 73.15%-51.2pp |
| Employer contribution / active EE | $2,553 | $1,288+98.1% | $4,051-37.0% | $2,343+9.0% |
| Participant deferral / active EE | $2,553 | $2,167+17.8% | $3,287-22.3% | $3,332-23.4% |
| Admin fee / account holder | $4,935 | $3,324+48.5% | $5,479-9.9% | $4,645+6.2% |