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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 | $35,050 | $112,729-68.9% | $98,716-64.5% | $137,256-74.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 14.50% | 38.48%-24.0pp | 31.81%-17.3pp | 220.34%-205.8pp |
| Employer contribution / active EE | $3,170 | $2,725+16.3% | $2,279+39.1% | $4,156-23.7% |
| Participant deferral / active EE | $7,047 | $4,640+51.9% | $4,048+74.1% | $6,407+10.0% |
| Admin fee / account holder | $13,191 | $10,129+30.2% | $8,703+51.6% | $12,270+7.5% |