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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 | $29,722 | $87,166-65.9% | $76,735-61.3% | $137,256-78.3% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 22.45% | 26.50%-4.0pp | 29.77%-7.3pp | 220.34%-197.9pp |
| Employer contribution / active EE | $3,908 | $2,904+34.6% | $2,454+59.2% | $4,156-6.0% |
| Participant deferral / active EE | $9,136 | $4,726+93.3% | $4,088+123.5% | $6,407+42.6% |
| Admin fee / account holder | $6,637 | $8,403-21.0% | $7,189-7.7% | $12,270-45.9% |