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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 | $32,096 | $106,280-69.8% | $96,538-66.8% | $139,487-77.0% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 19.44% | 38.48%-19.0pp | 35.74%-16.3pp | 373.84%-354.4pp |
| Employer contribution / active EE | $2,304 | $4,107-43.9% | $3,740-38.4% | $4,755-51.6% |
| Participant deferral / active EE | $10,359 | $5,457+89.8% | $4,880+112.3% | $6,713+54.3% |
| Admin fee / account holder | $556 | $7,888-92.9% | $6,737-91.7% | $11,407-95.1% |