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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 | $34,512 | $112,729-69.4% | $98,716-65.0% | $137,256-74.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 13.61% | 38.48%-24.9pp | 31.81%-18.2pp | 220.34%-206.7pp |
| Employer contribution / active EE | $2,203 | $2,725-19.2% | $2,279-3.3% | $4,156-47.0% |
| Participant deferral / active EE | $6,450 | $4,640+39.0% | $4,048+59.4% | $6,407+0.7% |
| Admin fee / account holder | $1,037 | $10,129-89.8% | $8,703-88.1% | $12,270-91.6% |