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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 | $98,655 | $181,896-45.8% | $156,551-37.0% | $273,972-64.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 3.18% | 30.74%-27.6pp | 32.23%-29.1pp | 41.46%-38.3pp |
| Employer contribution / active EE | $6,396 | $6,248+2.4% | $5,501+16.3% | $4,869+31.4% |
| Participant deferral / active EE | $3,939 | $5,550-29.0% | $4,871-19.1% | $5,287-25.5% |
| Admin fee / account holder | $8,865 | $15,560-43.0% | $13,028-32.0% | $10,133-12.5% |