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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 | $67,732 | $97,550-30.6% | $120,344-43.7% | $87,485-22.6% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 14.42% | 18.41%-4.0pp | 20.30%-5.9pp | 26.06%-11.6pp |
| Employer contribution / active EE | $2,662 | $2,291+16.2% | $3,020-11.8% | $2,596+2.6% |
| Participant deferral / active EE | $5,376 | $4,230+27.1% | $5,135+4.7% | $4,274+25.8% |
| Admin fee / account holder | $5,564 | $9,543-41.7% | $12,742-56.3% | $7,775-28.4% |