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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 | $72,999 | $124,425-41.3% | $112,040-34.8% | $137,256-46.8% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 15.24% | 24.72%-9.5pp | 24.52%-9.3pp | 220.34%-205.1pp |
| Employer contribution / active EE | $1,512 | $3,411-55.7% | $2,954-48.8% | $4,156-63.6% |
| Participant deferral / active EE | $5,522 | $5,718-3.4% | $5,098+8.3% | $6,407-13.8% |
| Admin fee / account holder | $985 | $15,207-93.5% | $12,098-91.9% | $12,270-92.0% |