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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 | $72,934 | $84,953-14.1% | $163,379-55.4% | $82,637-11.7% |
| Participation rate | 100.0% | 65.9%+34.1pp | 76.8%+23.2pp | 68.1%+31.9pp |
| Annual return | 16.91% | 23.07%-6.2pp | 63.41%-46.5pp | 53.51%-36.6pp |
| Employer contribution / active EE | $2,069 | $2,183-5.2% | $3,752-44.9% | $2,552-18.9% |
| Participant deferral / active EE | $4,660 | $4,326+7.7% | $6,282-25.8% | $4,126+12.9% |
| Admin fee / account holder | $1,740 | $7,921-78.0% | $9,818-82.3% | $7,339-76.3% |