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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 | $91,704 | $181,896-49.6% | $156,551-41.4% | $273,972-66.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 8.99% | 30.74%-21.7pp | 32.23%-23.2pp | 41.46%-32.5pp |
| Employer contribution / active EE | $11,085 | $6,248+77.4% | $5,501+101.5% | $4,869+127.7% |
| Participant deferral / active EE | $6,000 | $5,550+8.1% | $4,871+23.2% | $5,287+13.5% |
| Admin fee / account holder | $810 | $15,560-94.8% | $13,028-93.8% | $10,133-92.0% |