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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 | $103,612 | $135,956-23.8% | $123,894-16.4% | $273,972-62.2% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 8.24% | 56.63%-48.4pp | 47.52%-39.3pp | 41.46%-33.2pp |
| Employer contribution / active EE | $3,671 | $5,170-29.0% | $4,617-20.5% | $4,869-24.6% |
| Participant deferral / active EE | $8,388 | $6,343+32.2% | $5,984+40.2% | $5,287+58.6% |
| Admin fee / account holder | $1,859 | $9,817-81.1% | $8,357-77.8% | $10,133-81.7% |