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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 | $168,038 | $215,361-22.0% | $171,082-1.8% | $273,972-38.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 12.45% | 25.14%-12.7pp | 32.56%-20.1pp | 41.46%-29.0pp |
| Employer contribution / active EE | $2,939 | $4,967-40.8% | $4,002-26.6% | $4,869-39.6% |
| Participant deferral / active EE | $6,015 | $5,543+8.5% | $4,797+25.4% | $5,287+13.8% |
| Admin fee / account holder | $6,203 | $10,846-42.8% | $8,520-27.2% | $10,133-38.8% |