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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 | $136,860-51.2% | $120,344-44.5% | $154,746-56.9% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 15.56% | 21.38%-5.8pp | 20.30%-4.7pp | 172.34%-156.8pp |
| Employer contribution / active EE | $3,014 | $3,533-14.7% | $3,020-0.2% | $4,379-31.2% |
| Participant deferral / active EE | $5,417 | $5,793-6.5% | $5,135+5.5% | $6,730-19.5% |
| Admin fee / account holder | $15,035 | $15,393-2.3% | $12,742+18.0% | $14,365+4.7% |