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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 | $66,770 | $124,425-46.3% | $112,040-40.4% | $137,256-51.4% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 15.56% | 24.72%-9.2pp | 24.52%-9.0pp | 220.34%-204.8pp |
| Employer contribution / active EE | $3,014 | $3,411-11.7% | $2,954+2.0% | $4,156-27.5% |
| Participant deferral / active EE | $5,417 | $5,718-5.3% | $5,098+6.3% | $6,407-15.4% |
| Admin fee / account holder | $15,035 | $15,207-1.1% | $12,098+24.3% | $12,270+22.5% |