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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 | $23,348 | $73,787-68.4% | $98,716-76.3% | $82,448-71.7% |
| Participation rate | 100.0% | 61.4%+38.6pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 20.40% | 18.57%+1.8pp | 31.81%-11.4pp | 41.64%-21.2pp |
| Employer contribution / active EE | $2,317 | $1,511+53.3% | $2,279+1.7% | $2,551-9.2% |
| Participant deferral / active EE | $3,869 | $3,081+25.6% | $4,048-4.4% | $4,139-6.5% |
| Admin fee / account holder | $1,129 | $6,500-82.6% | $8,703-87.0% | $7,234-84.4% |