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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 | $38,434 | $46,877-18.0% | $122,354-68.6% | $70,126-45.2% |
| Participation rate | 100.0% | 58.2%+41.8pp | 71.6%+28.4pp | 69.5%+30.5pp |
| Annual return | 21.53% | 24.22%-2.7pp | 30.28%-8.8pp | 73.15%-51.6pp |
| Employer contribution / active EE | $1,977 | $1,288+53.5% | $4,051-51.2% | $2,343-15.6% |
| Participant deferral / active EE | $4,801 | $2,167+121.5% | $3,287+46.0% | $3,332+44.1% |
| Admin fee / account holder | $1,378 | $3,324-58.6% | $5,479-74.9% | $4,645-70.3% |