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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 | $19,686 | $107,733-81.7% | $92,985-78.8% | $154,746-87.3% |
| Participation rate | 100.0% | 74.6%+25.4pp | 69.5%+30.5pp | 80.7%+19.3pp |
| Annual return | 17.78% | 30.39%-12.6pp | 27.99%-10.2pp | 172.34%-154.6pp |
| Employer contribution / active EE | $1,757 | $3,126-43.8% | $2,662-34.0% | $4,379-59.9% |
| Participant deferral / active EE | $6,645 | $5,053+31.5% | $4,377+51.8% | $6,730-1.3% |
| Admin fee / account holder | $4,493 | $11,369-60.5% | $9,463-52.5% | $14,365-68.7% |