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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 | $135,497 | $181,896-25.5% | $156,551-13.4% | $273,972-50.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.28% | 30.74%-24.5pp | 32.23%-25.9pp | 41.46%-35.2pp |
| Employer contribution / active EE | $9,275 | $6,248+48.5% | $5,501+68.6% | $4,869+90.5% |
| Participant deferral / active EE | $10,962 | $5,550+97.5% | $4,871+125.0% | $5,287+107.3% |
| Admin fee / account holder | $515 | $15,560-96.7% | $13,028-96.0% | $10,133-94.9% |