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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 | $76,784 | $114,712-33.1% | $173,730-55.8% | $87,485-12.2% |
| Participation rate | 100.0% | 73.0%+27.0pp | 79.6%+20.4pp | 68.9%+31.1pp |
| Annual return | 14.82% | 20.18%-5.4pp | 19.96%-5.1pp | 26.06%-11.2pp |
| Employer contribution / active EE | $2,622 | $2,904-9.7% | $4,577-42.7% | $2,596+1.0% |
| Participant deferral / active EE | $5,236 | $4,642+12.8% | $6,326-17.2% | $4,274+22.5% |
| Admin fee / account holder | $340 | $10,210-96.7% | $17,523-98.1% | $7,775-95.6% |