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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 | $126,869 | $181,896-30.3% | $156,551-19.0% | $273,972-53.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 8.18% | 30.74%-22.6pp | 32.23%-24.0pp | 41.46%-33.3pp |
| Employer contribution / active EE | $5,401 | $6,248-13.6% | $5,501-1.8% | $4,869+10.9% |
| Participant deferral / active EE | $5,814 | $5,550+4.8% | $4,871+19.4% | $5,287+10.0% |
| Admin fee / account holder | $537 | $15,560-96.6% | $13,028-95.9% | $10,133-94.7% |