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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 | $156,241 | $181,896-14.1% | $156,551-0.2% | $273,972-43.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 9.37% | 30.74%-21.4pp | 32.23%-22.9pp | 41.46%-32.1pp |
| Employer contribution / active EE | $9,202 | $6,248+47.3% | $5,501+67.3% | $4,869+89.0% |
| Participant deferral / active EE | $5,269 | $5,550-5.1% | $4,871+8.2% | $5,287-0.3% |
| Admin fee / account holder | $1,332 | $15,560-91.4% | $13,028-89.8% | $10,133-86.8% |