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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 | $25,274 | $57,140-55.8% | $85,240-70.3% | $80,959-68.8% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 17.45% | 21.71%-4.3pp | 66.75%-49.3pp | 35.67%-18.2pp |
| Employer contribution / active EE | $1,925 | $1,802+6.8% | $2,735-29.6% | $2,757-30.2% |
| Participant deferral / active EE | $7,333 | $3,115+135.4% | $4,527+62.0% | $4,300+70.5% |
| Admin fee / account holder | $1,821 | $4,992-63.5% | $6,165-70.5% | $6,925-73.7% |