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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 | $70,772 | $95,453-25.9% | $112,040-36.8% | $82,448-14.2% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 16.81% | 23.92%-7.1pp | 24.52%-7.7pp | 41.64%-24.8pp |
| Employer contribution / active EE | $8,071 | $2,318+248.2% | $2,954+173.2% | $2,551+216.4% |
| Participant deferral / active EE | $4,814 | $4,224+14.0% | $5,098-5.6% | $4,139+16.3% |
| Admin fee / account holder | $2,786 | $9,013-69.1% | $12,098-77.0% | $7,234-61.5% |