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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 | $122,450 | $181,896-32.7% | $156,551-21.8% | $273,972-55.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 8.08% | 30.74%-22.7pp | 32.23%-24.1pp | 41.46%-33.4pp |
| Employer contribution / active EE | $9,535 | $6,248+52.6% | $5,501+73.3% | $4,869+95.8% |
| Participant deferral / active EE | $8,620 | $5,550+55.3% | $4,871+77.0% | $5,287+63.0% |
| Admin fee / account holder | $3,655 | $15,560-76.5% | $13,028-71.9% | $10,133-63.9% |