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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 | $29,454 | $135,956-78.3% | $123,894-76.2% | $273,972-89.2% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 5.89% | 56.63%-50.7pp | 47.52%-41.6pp | 41.46%-35.6pp |
| Employer contribution / active EE | $8,612 | $5,170+66.6% | $4,617+86.5% | $4,869+76.9% |
| Participant deferral / active EE | $4,754 | $6,343-25.0% | $5,984-20.6% | $5,287-10.1% |
| Admin fee / account holder | $8,570 | $9,817-12.7% | $8,357+2.5% | $10,133-15.4% |