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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 | $124,425-35.0% | $112,040-27.8% | $137,256-41.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 14.92% | 24.72%-9.8pp | 24.52%-9.6pp | 220.34%-205.4pp |
| Employer contribution / active EE | $2,823 | $3,411-17.3% | $2,954-4.5% | $4,156-32.1% |
| Participant deferral / active EE | $4,993 | $5,718-12.7% | $5,098-2.1% | $6,407-22.1% |
| Admin fee / account holder | $2,226 | $15,207-85.4% | $12,098-81.6% | $12,270-81.9% |