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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 | $147,644 | $181,896-18.8% | $156,551-5.7% | $273,972-46.1% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.05% | 30.74%-24.7pp | 32.23%-26.2pp | 41.46%-35.4pp |
| Employer contribution / active EE | $8,013 | $6,248+28.2% | $5,501+45.7% | $4,869+64.6% |
| Participant deferral / active EE | $6,951 | $5,550+25.2% | $4,871+42.7% | $5,287+31.5% |
| Admin fee / account holder | $5,513 | $15,560-64.6% | $13,028-57.7% | $10,133-45.6% |