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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 | $132,673 | $181,896-27.1% | $156,551-15.3% | $273,972-51.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 7.87% | 30.74%-22.9pp | 32.23%-24.4pp | 41.46%-33.6pp |
| Employer contribution / active EE | $8,304 | $6,248+32.9% | $5,501+50.9% | $4,869+70.6% |
| Participant deferral / active EE | $4,373 | $5,550-21.2% | $4,871-10.2% | $5,287-17.3% |
| Admin fee / account holder | $360 | $15,560-97.7% | $13,028-97.2% | $10,133-96.4% |