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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 | $29,820 | $99,341-70.0% | $84,750-64.8% | $273,965-89.1% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.32% | 22.93%-16.6pp | 22.78%-16.5pp | 41.45%-35.1pp |
| Employer contribution / active EE | $8,416 | $4,214+99.7% | $3,574+135.5% | $4,869+72.9% |
| Participant deferral / active EE | $12,907 | $4,269+202.3% | $3,712+247.7% | $5,287+144.1% |
| Admin fee / account holder | $549 | $6,644-91.7% | $5,332-89.7% | $10,132-94.6% |