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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 | $77,208 | $181,896-57.6% | $156,551-50.7% | $273,972-71.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 5.09% | 30.74%-25.7pp | 32.23%-27.1pp | 41.46%-36.4pp |
| Employer contribution / active EE | $4,245 | $6,248-32.1% | $5,501-22.8% | $4,869-12.8% |
| Participant deferral / active EE | $4,949 | $5,550-10.8% | $4,871+1.6% | $5,287-6.4% |
| Admin fee / account holder | $1,114 | $15,560-92.8% | $13,028-91.4% | $10,133-89.0% |