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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 | $34,402 | $72,027-52.2% | $185,861-81.5% | $79,856-56.9% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 17.33% | 23.13%-5.8pp | 35.96%-18.6pp | 31.71%-14.4pp |
| Employer contribution / active EE | $4,169 | $1,965+112.1% | $4,088+2.0% | $2,471+68.7% |
| Participant deferral / active EE | $7,707 | $3,780+103.9% | $5,634+36.8% | $3,741+106.0% |
| Admin fee / account holder | $325 | $4,513-92.8% | $9,503-96.6% | $5,306-93.9% |