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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 | $29,448 | $105,623-72.1% | $87,502-66.3% | $273,972-89.3% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 10.71% | 12.26%-1.5pp | 12.21%-1.5pp | 41.46%-30.7pp |
| Employer contribution / active EE | $6,007 | $3,141+91.3% | $2,550+135.6% | $4,869+23.4% |
| Participant deferral / active EE | $4,020 | $3,601+11.7% | $3,149+27.7% | $5,287-24.0% |
| Admin fee / account holder | $462 | $4,781-90.3% | $4,221-89.1% | $10,133-95.4% |