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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 | $84,959 | $181,896-53.3% | $156,551-45.7% | $273,972-69.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.32% | 30.74%-24.4pp | 32.23%-25.9pp | 41.46%-35.1pp |
| Employer contribution / active EE | $4,798 | $6,248-23.2% | $5,501-12.8% | $4,869-1.5% |
| Participant deferral / active EE | $6,766 | $5,550+21.9% | $4,871+38.9% | $5,287+28.0% |
| Admin fee / account holder | $765 | $15,560-95.1% | $13,028-94.1% | $10,133-92.5% |