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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 | $66,628 | $126,661-47.4% | $113,397-41.2% | $138,895-52.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 21.06% | 25.05%-4.0pp | 23.20%-2.1pp | 145.39%-124.3pp |
| Employer contribution / active EE | $2,321 | $3,456-32.8% | $2,977-22.0% | $4,194-44.7% |
| Participant deferral / active EE | $5,856 | $5,693+2.9% | $5,076+15.4% | $6,396-8.4% |
| Admin fee / account holder | $653 | $14,549-95.5% | $11,957-94.5% | $12,562-94.8% |