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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 | $133,368 | $181,896-26.7% | $156,551-14.8% | $273,972-51.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 4.90% | 30.74%-25.8pp | 32.23%-27.3pp | 41.46%-36.6pp |
| Employer contribution / active EE | $4,320 | $6,248-30.9% | $5,501-21.5% | $4,869-11.3% |
| Participant deferral / active EE | $3,691 | $5,550-33.5% | $4,871-24.2% | $5,287-30.2% |
| Admin fee / account holder | $991 | $15,560-93.6% | $13,028-92.4% | $10,133-90.2% |