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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 | $149,719 | $88,707+68.8% | $74,184+101.8% | $273,972-45.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.21% | 11.94%-5.7pp | 17.74%-11.5pp | 41.46%-35.2pp |
| Employer contribution / active EE | $1,460 | $3,159-53.8% | $2,370-38.4% | $4,869-70.0% |
| Participant deferral / active EE | $3,474 | $4,212-17.5% | $3,550-2.1% | $5,287-34.3% |
| Admin fee / account holder | $529 | $8,717-93.9% | $5,586-90.5% | $10,133-94.8% |