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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 | $70,051 | $86,919-19.4% | $102,457-31.6% | $80,911-13.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 15.11% | 18.90%-3.8pp | 29.41%-14.3pp | 35.63%-20.5pp |
| Employer contribution / active EE | $1,526 | $2,368-35.6% | $3,022-49.5% | $2,756-44.6% |
| Participant deferral / active EE | $3,507 | $4,119-14.9% | $5,054-30.6% | $4,297-18.4% |
| Admin fee / account holder | $2,306 | $8,049-71.4% | $9,451-75.6% | $6,935-66.8% |