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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 | $34,668 | $65,367-47.0% | $92,915-62.7% | $72,976-52.5% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 20.88% | 42.11%-21.2pp | 109.45%-88.6pp | 81.02%-60.1pp |
| Employer contribution / active EE | $2,258 | $2,594-12.9% | $3,653-38.2% | $2,440-7.4% |
| Participant deferral / active EE | $1,937 | $3,128-38.1% | $4,238-54.3% | $3,608-46.3% |
| Admin fee / account holder | $4,452 | $4,251+4.7% | $5,796-23.2% | $5,124-13.1% |