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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 | $58,804 | $215,361-72.7% | $171,082-65.6% | $273,972-78.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 7.70% | 25.14%-17.4pp | 32.56%-24.9pp | 41.46%-33.8pp |
| Employer contribution / active EE | $1,780 | $4,967-64.2% | $4,002-55.5% | $4,869-63.4% |
| Participant deferral / active EE | $2,780 | $5,543-49.8% | $4,797-42.1% | $5,287-47.4% |
| Admin fee / account holder | $5,953 | $10,846-45.1% | $8,520-30.1% | $10,133-41.2% |