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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 | $25,564 | $81,331-68.6% | $155,534-83.6% | $80,935-68.4% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 16.95% | 33.37%-16.4pp | 64.92%-48.0pp | 35.66%-18.7pp |
| Employer contribution / active EE | $5,138 | $3,105+65.5% | $4,675+9.9% | $2,757+86.4% |
| Participant deferral / active EE | $6,011 | $3,454+74.0% | $5,630+6.8% | $4,299+39.8% |
| Admin fee / account holder | $661 | $7,999-91.7% | $15,900-95.8% | $6,924-90.5% |