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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 | $29,731 | $93,598-68.2% | $135,974-78.1% | $75,173-60.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 18.86% | 30.89%-12.0pp | 68.30%-49.4pp | 160.72%-141.9pp |
| Employer contribution / active EE | $2,621 | $3,538-25.9% | $4,859-46.1% | $2,671-1.9% |
| Participant deferral / active EE | $6,998 | $6,405+9.3% | $7,760-9.8% | $4,126+69.6% |
| Admin fee / account holder | $509 | $6,978-92.7% | $10,767-95.3% | $5,651-91.0% |