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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 | $56,927 | $107,666-47.1% | $102,184-44.3% | $154,746-63.2% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 19.99% | 29.33%-9.3pp | 31.58%-11.6pp | 172.34%-152.3pp |
| Employer contribution / active EE | $2,650 | $3,846-31.1% | $3,594-26.3% | $4,379-39.5% |
| Participant deferral / active EE | $7,326 | $8,719-16.0% | $8,309-11.8% | $6,730+8.8% |
| Admin fee / account holder | $785 | $12,943-93.9% | $11,609-93.2% | $14,365-94.5% |