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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 | $26,915 | $87,166-69.1% | $76,735-64.9% | $137,256-80.4% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 20.58% | 26.50%-5.9pp | 29.77%-9.2pp | 220.34%-199.8pp |
| Employer contribution / active EE | $3,609 | $2,904+24.3% | $2,454+47.0% | $4,156-13.2% |
| Participant deferral / active EE | $7,112 | $4,726+50.5% | $4,088+74.0% | $6,407+11.0% |
| Admin fee / account holder | $752 | $8,403-91.1% | $7,189-89.5% | $12,270-93.9% |