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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 | $95,453-29.0% | $112,040-39.5% | $82,448-17.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 14.42% | 23.92%-9.5pp | 24.52%-10.1pp | 41.64%-27.2pp |
| Employer contribution / active EE | $2,662 | $2,318+14.9% | $2,954-9.9% | $2,551+4.4% |
| Participant deferral / active EE | $5,376 | $4,224+27.3% | $5,098+5.5% | $4,139+29.9% |
| Admin fee / account holder | $5,564 | $9,013-38.3% | $12,098-54.0% | $7,234-23.1% |