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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 | $106,888 | $181,896-41.2% | $156,551-31.7% | $273,972-61.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 7.34% | 30.74%-23.4pp | 32.23%-24.9pp | 41.46%-34.1pp |
| Employer contribution / active EE | $4,702 | $6,248-24.7% | $5,501-14.5% | $4,869-3.4% |
| Participant deferral / active EE | $4,297 | $5,550-22.6% | $4,871-11.8% | $5,287-18.7% |
| Admin fee / account holder | $308 | $15,560-98.0% | $13,028-97.6% | $10,133-97.0% |