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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 | $108,947 | $153,774-29.2% | $133,979-18.7% | $273,970-60.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 4.86% | 36.51%-31.7pp | 29.30%-24.4pp | 41.46%-36.6pp |
| Employer contribution / active EE | $3,044 | $6,029-49.5% | $5,211-41.6% | $4,869-37.5% |
| Participant deferral / active EE | $4,435 | $6,958-36.3% | $6,282-29.4% | $5,287-16.1% |
| Admin fee / account holder | $5,456 | $11,765-53.6% | $9,324-41.5% | $10,132-46.1% |