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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 | $57,671 | $102,609-43.8% | $98,090-41.2% | $138,895-58.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 17.22% | 36.44%-19.2pp | 37.05%-19.8pp | 145.39%-128.2pp |
| Employer contribution / active EE | $5,447 | $3,867+40.8% | $3,606+51.0% | $4,194+29.9% |
| Participant deferral / active EE | $5,489 | $8,167-32.8% | $7,845-30.0% | $6,396-14.2% |
| Admin fee / account holder | $640 | $11,434-94.4% | $11,815-94.6% | $12,562-94.9% |