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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 | $87,692 | $136,860-35.9% | $120,344-27.1% | $154,746-43.3% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 14.15% | 21.38%-7.2pp | 20.30%-6.2pp | 172.34%-158.2pp |
| Employer contribution / active EE | $2,283 | $3,533-35.4% | $3,020-24.4% | $4,379-47.9% |
| Participant deferral / active EE | $7,105 | $5,793+22.6% | $5,135+38.4% | $6,730+5.6% |
| Admin fee / account holder | $6,953 | $15,393-54.8% | $12,742-45.4% | $14,365-51.6% |