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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 | $84,904 | $215,361-60.6% | $171,082-50.4% | $273,972-69.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 13.00% | 25.14%-12.1pp | 32.56%-19.6pp | 41.46%-28.5pp |
| Employer contribution / active EE | $2,832 | $4,967-43.0% | $4,002-29.2% | $4,869-41.8% |
| Participant deferral / active EE | $4,779 | $5,543-13.8% | $4,797-0.4% | $5,287-9.6% |
| Admin fee / account holder | $9,850 | $10,846-9.2% | $8,520+15.6% | $10,133-2.8% |