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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 | $98,574 | $135,956-27.5% | $123,894-20.4% | $273,972-64.0% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 7.35% | 56.63%-49.3pp | 47.52%-40.2pp | 41.46%-34.1pp |
| Employer contribution / active EE | $6,161 | $5,170+19.2% | $4,617+33.4% | $4,869+26.5% |
| Participant deferral / active EE | $7,014 | $6,343+10.6% | $5,984+17.2% | $5,287+32.7% |
| Admin fee / account holder | $1,033 | $9,817-89.5% | $8,357-87.6% | $10,133-89.8% |