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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 | $18,494 | $116,167-84.1% | $64,489-71.3% | $137,256-86.5% |
| Participation rate | 100.0% | 68.2%+31.8pp | 67.7%+32.3pp | 80.0%+20.0pp |
| Annual return | 22.02% | 36.55%-14.5pp | 55.03%-33.0pp | 220.34%-198.3pp |
| Employer contribution / active EE | $2,098 | $2,483-15.5% | $1,523+37.7% | $4,156-49.5% |
| Participant deferral / active EE | $3,502 | $4,215-16.9% | $2,778+26.1% | $6,407-45.3% |
| Admin fee / account holder | $568 | $6,188-90.8% | $4,260-86.7% | $12,270-95.4% |