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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 | $182,338 | $215,361-15.3% | $171,082+6.6% | $273,972-33.4% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 5.69% | 25.14%-19.5pp | 32.56%-26.9pp | 41.46%-35.8pp |
| Employer contribution / active EE | $2,618 | $4,967-47.3% | $4,002-34.6% | $4,869-46.2% |
| Participant deferral / active EE | $11,722 | $5,543+111.5% | $4,797+144.3% | $5,287+121.7% |
| Admin fee / account holder | $1,493 | $10,846-86.2% | $8,520-82.5% | $10,133-85.3% |