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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 | $23,559 | $93,598-74.8% | $135,974-82.7% | $75,173-68.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 23.85% | 30.89%-7.0pp | 68.30%-44.5pp | 160.72%-136.9pp |
| Employer contribution / active EE | $5,377 | $3,538+52.0% | $4,859+10.7% | $2,671+101.3% |
| Participant deferral / active EE | $13,970 | $6,405+118.1% | $7,760+80.0% | $4,126+238.6% |
| Admin fee / account holder | $5,292 | $6,978-24.2% | $10,767-50.9% | $5,651-6.4% |