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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 | $51,758 | $93,598-44.7% | $135,974-61.9% | $75,173-31.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 19.35% | 30.89%-11.5pp | 68.30%-49.0pp | 160.72%-141.4pp |
| Employer contribution / active EE | $2,751 | $3,538-22.2% | $4,859-43.4% | $2,671+3.0% |
| Participant deferral / active EE | $11,963 | $6,405+86.8% | $7,760+54.2% | $4,126+189.9% |
| Admin fee / account holder | $1,001 | $6,978-85.7% | $10,767-90.7% | $5,651-82.3% |