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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 | $28,983 | $98,776-70.7% | $149,745-80.6% | $79,856-63.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 13.33% | 27.38%-14.1pp | 276.72%-263.4pp | 31.71%-18.4pp |
| Employer contribution / active EE | $964 | $3,217-70.0% | $4,646-79.3% | $2,471-61.0% |
| Participant deferral / active EE | $6,283 | $5,681+10.6% | $6,843-8.2% | $3,741+68.0% |
| Admin fee / account holder | $2,166 | $6,053-64.2% | $9,312-76.7% | $5,306-59.2% |