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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 | $29,728 | $72,027-58.7% | $185,861-84.0% | $79,856-62.8% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 12.68% | 23.13%-10.4pp | 35.96%-23.3pp | 31.71%-19.0pp |
| Employer contribution / active EE | $4,264 | $1,965+117.0% | $4,088+4.3% | $2,471+72.5% |
| Participant deferral / active EE | $1,921 | $3,780-49.2% | $5,634-65.9% | $3,741-48.6% |
| Admin fee / account holder | $1,248 | $4,513-72.3% | $9,503-86.9% | $5,306-76.5% |