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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 | $32,032 | $112,729-71.6% | $98,716-67.6% | $137,256-76.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 21.28% | 38.48%-17.2pp | 31.81%-10.5pp | 220.34%-199.1pp |
| Employer contribution / active EE | $1,499 | $2,725-45.0% | $2,279-34.2% | $4,156-63.9% |
| Participant deferral / active EE | $7,300 | $4,640+57.3% | $4,048+80.4% | $6,407+13.9% |
| Admin fee / account holder | $1,685 | $10,129-83.4% | $8,703-80.6% | $12,270-86.3% |