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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 | $104,951 | $181,896-42.3% | $156,551-33.0% | $273,972-61.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 3.80% | 30.74%-26.9pp | 32.23%-28.4pp | 41.46%-37.7pp |
| Employer contribution / active EE | $1,838 | $6,248-70.6% | $5,501-66.6% | $4,869-62.2% |
| Participant deferral / active EE | $4,180 | $5,550-24.7% | $4,871-14.2% | $5,287-20.9% |
| Admin fee / account holder | $1,171 | $15,560-92.5% | $13,028-91.0% | $10,133-88.4% |