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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 | $75,859 | $95,453-20.5% | $112,040-32.3% | $82,448-8.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 16.56% | 23.92%-7.4pp | 24.52%-8.0pp | 41.64%-25.1pp |
| Employer contribution / active EE | $1,858 | $2,318-19.8% | $2,954-37.1% | $2,551-27.1% |
| Participant deferral / active EE | $3,686 | $4,224-12.7% | $5,098-27.7% | $4,139-10.9% |
| Admin fee / account holder | $3,973 | $9,013-55.9% | $12,098-67.2% | $7,234-45.1% |