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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 | $29,056 | $99,345-70.8% | $84,753-65.7% | $273,972-89.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 8.43% | 22.93%-14.5pp | 22.78%-14.4pp | 41.46%-33.0pp |
| Employer contribution / active EE | $8,333 | $4,214+97.8% | $3,574+133.1% | $4,869+71.2% |
| Participant deferral / active EE | $7,904 | $4,270+85.1% | $3,712+112.9% | $5,287+49.5% |
| Admin fee / account holder | $377 | $6,645-94.3% | $5,333-92.9% | $10,133-96.3% |