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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 | $78,176 | $127,387-38.6% | $115,038-32.0% | $125,389-37.7% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 1.53% | 31.28%-29.7pp | 26.14%-24.6pp | 282.24%-280.7pp |
| Employer contribution / active EE | $2,690 | $5,166-47.9% | $4,608-41.6% | $4,866-44.7% |
| Participant deferral / active EE | $8,076 | $6,423+25.7% | $6,026+34.0% | $5,352+50.9% |
| Admin fee / account holder | $954 | $9,516-90.0% | $8,175-88.3% | $9,541-90.0% |