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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 | $117,636 | $140,592-16.3% | $123,105-4.4% | $125,389-6.2% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | 5.89% | 16.80%-10.9pp | 13.22%-7.3pp | 282.24%-276.4pp |
| Employer contribution / active EE | $5,257 | $6,041-13.0% | $5,151+2.1% | $4,866+8.0% |
| Participant deferral / active EE | $5,958 | $6,980-14.6% | $6,229-4.4% | $5,352+11.3% |
| Admin fee / account holder | $1,120 | $11,198-90.0% | $9,014-87.6% | $9,541-88.3% |