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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 | $126,661-36.2% | $113,397-28.7% | $138,895-41.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 14.92% | 25.05%-10.1pp | 23.20%-8.3pp | 145.39%-130.5pp |
| Employer contribution / active EE | $2,823 | $3,456-18.3% | $2,977-5.2% | $4,194-32.7% |
| Participant deferral / active EE | $4,993 | $5,693-12.3% | $5,076-1.6% | $6,396-21.9% |
| Admin fee / account holder | $2,226 | $14,549-84.7% | $11,957-81.4% | $12,562-82.3% |