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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 | $58,628 | $90,400-35.1% | $186,193-68.5% | $87,485-33.0% |
| Participation rate | 100.0% | 66.2%+33.8pp | 77.1%+22.9pp | 68.9%+31.1pp |
| Annual return | 19.70% | 22.15%-2.5pp | 78.03%-58.3pp | 26.06%-6.4pp |
| Employer contribution / active EE | $1,027 | $2,170-52.7% | $3,918-73.8% | $2,596-60.4% |
| Participant deferral / active EE | $9,461 | $4,330+118.5% | $6,513+45.3% | $4,274+121.4% |
| Admin fee / account holder | $8,361 | $8,673-3.6% | $11,058-24.4% | $7,775+7.5% |