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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 | $45,185 | $215,361-79.0% | $171,082-73.6% | $273,972-83.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 1.98% | 25.14%-23.2pp | 32.56%-30.6pp | 41.46%-39.5pp |
| Employer contribution / active EE | $4,070 | $4,967-18.1% | $4,002+1.7% | $4,869-16.4% |
| Participant deferral / active EE | $9,057 | $5,543+63.4% | $4,797+88.8% | $5,287+71.3% |
| Admin fee / account holder | $19,331 | $10,846+78.2% | $8,520+126.9% | $10,133+90.8% |