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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 | $55,014 | $56,110-2.0% | $94,993-42.1% | $70,124-21.5% |
| Participation rate | 100.0% | 65.0%+35.0pp | 73.9%+26.1pp | 69.5%+30.5pp |
| Annual return | 13.83% | 51.02%-37.2pp | 27.14%-13.3pp | 73.14%-59.3pp |
| Employer contribution / active EE | $357 | $1,442-75.2% | $2,603-86.3% | $2,342-84.8% |
| Participant deferral / active EE | $2,810 | $2,391+17.5% | $3,317-15.3% | $3,332-15.7% |
| Admin fee / account holder | $3,259 | $3,456-5.7% | $4,960-34.3% | $4,645-29.8% |