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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 | $20,492 | $70,486-70.9% | $100,528-79.6% | $79,852-74.3% |
| Participation rate | 100.0% | 73.6%+26.4pp | 79.4%+20.6pp | 69.6%+30.4pp |
| Annual return | 25.70% | 21.90%+3.8pp | 30.90%-5.2pp | 31.72%-6.0pp |
| Employer contribution / active EE | $2,396 | $2,165+10.7% | $3,419-29.9% | $2,471-3.0% |
| Participant deferral / active EE | $2,308 | $5,182-55.5% | $6,271-63.2% | $3,740-38.3% |
| Admin fee / account holder | $367 | $4,480-91.8% | $8,084-95.5% | $5,306-93.1% |