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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 | $100,194-32.4% | $122,979-44.9% | $86,983-22.1% |
| Participation rate | 100.0% | 73.0%+27.0pp | 77.2%+22.8pp | 69.5%+30.5pp |
| Annual return | 14.42% | 16.47%-2.1pp | 20.12%-5.7pp | 25.83%-11.4pp |
| Employer contribution / active EE | $2,662 | $2,326+14.5% | $3,062-13.1% | $2,584+3.0% |
| Participant deferral / active EE | $5,376 | $4,133+30.1% | $5,003+7.5% | $4,194+28.2% |
| Admin fee / account holder | $5,564 | $10,148-45.2% | $12,864-56.7% | $7,856-29.2% |