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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 | $12,134 | $94,439-87.2% | $73,658-83.5% | $154,746-92.2% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 18.53% | 28.25%-9.7pp | 29.72%-11.2pp | 172.34%-153.8pp |
| Employer contribution / active EE | $2,453 | $1,257+95.1% | $1,032+137.6% | $4,379-44.0% |
| Participant deferral / active EE | $6,935 | $2,527+174.4% | $2,062+236.3% | $6,730+3.0% |
| Admin fee / account holder | $3,079 | $3,843-19.9% | $3,357-8.3% | $14,365-78.6% |