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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 | $95,702 | $107,809-11.2% | $97,032-1.4% | $155,188-38.3% |
| Participation rate | 100.0% | 75.5%+24.5pp | 71.6%+28.4pp | 80.8%+19.2pp |
| Annual return | 13.16% | 38.06%-24.9pp | 35.38%-22.2pp | 148.84%-135.7pp |
| Employer contribution / active EE | $2,561 | $2,911-12.0% | $2,629-2.6% | $4,248-39.7% |
| Participant deferral / active EE | $5,935 | $5,129+15.7% | $4,672+27.0% | $6,531-9.1% |
| Admin fee / account holder | $499 | $10,717-95.3% | $9,418-94.7% | $14,480-96.6% |