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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 | $74,864 | $135,956-44.9% | $123,894-39.6% | $273,972-72.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 6.27% | 56.63%-50.4pp | 47.52%-41.2pp | 41.46%-35.2pp |
| Employer contribution / active EE | $1,769 | $5,170-65.8% | $4,617-61.7% | $4,869-63.7% |
| Participant deferral / active EE | $8,608 | $6,343+35.7% | $5,984+43.8% | $5,287+62.8% |
| Admin fee / account holder | $3,209 | $9,817-67.3% | $8,357-61.6% | $10,133-68.3% |