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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 | $88,621 | $80,983+9.4% | $96,544-8.2% | $75,177+17.9% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 15.01% | 27.05%-12.0pp | 25.88%-10.9pp | 160.75%-145.7pp |
| Employer contribution / active EE | $2,146 | $2,282-6.0% | $2,966-27.6% | $2,671-19.6% |
| Participant deferral / active EE | $5,127 | $3,929+30.5% | $4,851+5.7% | $4,126+24.2% |
| Admin fee / account holder | $2,875 | $6,717-57.2% | $8,254-65.2% | $5,651-49.1% |