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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 | $80,864 | $136,860-40.9% | $120,344-32.8% | $154,746-47.7% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 14.92% | 21.38%-6.5pp | 20.30%-5.4pp | 172.34%-157.4pp |
| Employer contribution / active EE | $2,823 | $3,533-20.1% | $3,020-6.5% | $4,379-35.5% |
| Participant deferral / active EE | $4,993 | $5,793-13.8% | $5,135-2.8% | $6,730-25.8% |
| Admin fee / account holder | $2,226 | $15,393-85.5% | $12,742-82.5% | $14,365-84.5% |