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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 | $72,406 | $69,273+4.5% | $90,796-20.3% | $82,637-12.4% |
| Participation rate | 100.0% | 64.0%+36.0pp | 69.5%+30.5pp | 68.1%+31.9pp |
| Annual return | 18.86% | 18.37%+0.5pp | 19.29%-0.4pp | 53.51%-34.7pp |
| Employer contribution / active EE | $1,379 | $1,865-26.1% | $2,294-39.9% | $2,552-46.0% |
| Participant deferral / active EE | $2,806 | $3,047-7.9% | $3,822-26.6% | $4,126-32.0% |
| Admin fee / account holder | $989 | $5,511-82.0% | $7,024-85.9% | $7,339-86.5% |