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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 | $122,585 | $177,156-30.8% | $147,027-16.6% | $154,746-20.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 16.90% | 21.94%-5.0pp | 20.23%-3.3pp | 172.34%-155.4pp |
| Employer contribution / active EE | $2,219 | $4,336-48.8% | $3,626-38.8% | $4,379-49.3% |
| Participant deferral / active EE | $3,258 | $5,797-43.8% | $4,933-34.0% | $6,730-51.6% |
| Admin fee / account holder | $5,102 | $14,904-65.8% | $12,223-58.3% | $14,365-64.5% |