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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 | $117,993 | $228,352-48.3% | $185,835-36.5% | $158,966-25.8% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 6.75% | 40.81%-34.1pp | 35.96%-29.2pp | 302.95%-296.2pp |
| Employer contribution / active EE | $2,396 | $4,967-51.8% | $4,087-41.4% | $4,762-49.7% |
| Participant deferral / active EE | $4,482 | $6,416-30.2% | $5,633-20.4% | $5,983-25.1% |
| Admin fee / account holder | $456 | $11,867-96.2% | $9,502-95.2% | $11,250-96.0% |