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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 | $109,204 | $67,411+62.0% | $91,004+20.0% | $70,124+55.7% |
| Participation rate | 100.0% | 71.4%+28.6pp | 75.6%+24.4pp | 69.5%+30.5pp |
| Annual return | 14.15% | -40.16%+54.3pp | 4.60%+9.6pp | 73.14%-59.0pp |
| Employer contribution / active EE | $1,304 | $1,786-27.0% | $2,456-46.9% | $2,342-44.3% |
| Participant deferral / active EE | $3,371 | $2,823+19.4% | $3,548-5.0% | $3,332+1.2% |
| Admin fee / account holder | $441 | $4,236-89.6% | $5,417-91.9% | $4,645-90.5% |