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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 | $99,941 | $181,898-45.1% | $156,552-36.2% | $273,970-63.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 5.54% | 30.74%-25.2pp | 32.23%-26.7pp | 41.46%-35.9pp |
| Employer contribution / active EE | $8,950 | $6,248+43.2% | $5,501+62.7% | $4,869+83.8% |
| Participant deferral / active EE | $4,200 | $5,550-24.3% | $4,871-13.8% | $5,287-20.6% |
| Admin fee / account holder | $673 | $15,560-95.7% | $13,028-94.8% | $10,132-93.4% |