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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 | $57,410 | $94,439-39.2% | $73,658-22.1% | $154,746-62.9% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 13.62% | 28.25%-14.6pp | 29.72%-16.1pp | 172.34%-158.7pp |
| Employer contribution / active EE | $2,013 | $1,257+60.1% | $1,032+94.9% | $4,379-54.0% |
| Participant deferral / active EE | $2,516 | $2,527-0.5% | $2,062+22.0% | $6,730-62.6% |
| Admin fee / account holder | $312 | $3,843-91.9% | $3,357-90.7% | $14,365-97.8% |