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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 | $24,555 | $54,757-55.2% | $90,304-72.8% | $72,975-66.4% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.3%+26.7pp | 69.5%+30.5pp |
| Annual return | 16.52% | 30.63%-14.1pp | 78.13%-61.6pp | 81.01%-64.5pp |
| Employer contribution / active EE | $1,847 | $2,093-11.8% | $2,855-35.3% | $2,440-24.3% |
| Participant deferral / active EE | $3,672 | $2,887+27.2% | $3,885-5.5% | $3,608+1.8% |
| Admin fee / account holder | $725 | $3,973-81.8% | $5,354-86.5% | $5,124-85.9% |