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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 | $12,353 | $81,262-84.8% | $155,602-92.1% | $80,911-84.7% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 21.43% | 33.34%-11.9pp | 64.81%-43.4pp | 35.63%-14.2pp |
| Employer contribution / active EE | $2,714 | $3,102-12.5% | $4,675-41.9% | $2,756-1.5% |
| Participant deferral / active EE | $3,087 | $3,451-10.6% | $5,629-45.2% | $4,297-28.2% |
| Admin fee / account holder | $4,141 | $7,992-48.2% | $15,923-74.0% | $6,935-40.3% |