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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 | $68,240 | $99,345-31.3% | $84,753-19.5% | $273,972-75.1% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 11.58% | 22.93%-11.3pp | 22.78%-11.2pp | 41.46%-29.9pp |
| Employer contribution / active EE | $2,472 | $4,214-41.3% | $3,574-30.9% | $4,869-49.2% |
| Participant deferral / active EE | $10,478 | $4,270+145.4% | $3,712+182.3% | $5,287+98.2% |
| Admin fee / account holder | $2,916 | $6,645-56.1% | $5,333-45.3% | $10,133-71.2% |