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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 | $103,724 | $153,769-32.5% | $133,975-22.6% | $273,972-62.1% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 6.11% | 36.51%-30.4pp | 29.29%-23.2pp | 41.46%-35.3pp |
| Employer contribution / active EE | $1,787 | $6,029-70.4% | $5,211-65.7% | $4,869-63.3% |
| Participant deferral / active EE | $4,382 | $6,958-37.0% | $6,282-30.2% | $5,287-17.1% |
| Admin fee / account holder | $5,112 | $11,765-56.5% | $9,324-45.2% | $10,133-49.5% |