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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 | $29,702 | $73,940-59.8% | $96,496-69.2% | $75,173-60.5% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 18.16% | 26.71%-8.6pp | 35.70%-17.5pp | 160.65%-142.5pp |
| Employer contribution / active EE | $2,585 | $2,929-11.7% | $3,738-30.8% | $2,670-3.2% |
| Participant deferral / active EE | $4,220 | $3,659+15.3% | $4,879-13.5% | $4,126+2.3% |
| Admin fee / account holder | $1,473 | $5,216-71.8% | $6,731-78.1% | $5,651-73.9% |