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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 | $103,195 | $127,387-19.0% | $115,038-10.3% | $125,389-17.7% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 0.84% | 31.28%-30.4pp | 26.14%-25.3pp | 282.24%-281.4pp |
| Employer contribution / active EE | $5,951 | $5,166+15.2% | $4,608+29.2% | $4,866+22.3% |
| Participant deferral / active EE | $6,583 | $6,423+2.5% | $6,026+9.2% | $5,352+23.0% |
| Admin fee / account holder | $1,866 | $9,516-80.4% | $8,175-77.2% | $9,541-80.4% |