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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 | $83,490 | $135,956-38.6% | $123,894-32.6% | $273,972-69.5% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 5.97% | 56.63%-50.7pp | 47.52%-41.5pp | 41.46%-35.5pp |
| Employer contribution / active EE | $4,606 | $5,170-10.9% | $4,617-0.2% | $4,869-5.4% |
| Participant deferral / active EE | $5,361 | $6,343-15.5% | $5,984-10.4% | $5,287+1.4% |
| Admin fee / account holder | $5,326 | $9,817-45.8% | $8,357-36.3% | $10,133-47.4% |