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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 | $84,896 | $124,425-31.8% | $112,040-24.2% | $137,256-38.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 14.32% | 24.72%-10.4pp | 24.52%-10.2pp | 220.34%-206.0pp |
| Employer contribution / active EE | $2,936 | $3,411-13.9% | $2,954-0.6% | $4,156-29.4% |
| Participant deferral / active EE | $5,999 | $5,718+4.9% | $5,098+17.7% | $6,407-6.4% |
| Admin fee / account holder | $462 | $15,207-97.0% | $12,098-96.2% | $12,270-96.2% |