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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 | $58,289 | $92,798-37.2% | $96,707-39.7% | $137,256-57.5% |
| Participation rate | 100.0% | 81.6%+18.4pp | 80.4%+19.6pp | 80.0%+20.0pp |
| Annual return | 17.48% | 31.24%-13.8pp | 34.78%-17.3pp | 220.34%-202.9pp |
| Employer contribution / active EE | $3,032 | $4,147-26.9% | $4,191-27.7% | $4,156-27.0% |
| Participant deferral / active EE | $14,425 | $5,877+145.5% | $5,997+140.5% | $6,407+125.1% |
| Admin fee / account holder | $3,166 | $7,946-60.2% | $7,503-57.8% | $12,270-74.2% |