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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 | $132,581 | $215,361-38.4% | $171,082-22.5% | $273,972-51.6% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 3.16% | 25.14%-22.0pp | 32.56%-29.4pp | 41.46%-38.3pp |
| Employer contribution / active EE | $6,799 | $4,967+36.9% | $4,002+69.9% | $4,869+39.6% |
| Participant deferral / active EE | $6,788 | $5,543+22.4% | $4,797+41.5% | $5,287+28.4% |
| Admin fee / account holder | $657 | $10,846-93.9% | $8,520-92.3% | $10,133-93.5% |