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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 | $70,803 | $135,956-47.9% | $123,894-42.9% | $273,972-74.2% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 9.13% | 56.63%-47.5pp | 47.52%-38.4pp | 41.46%-32.3pp |
| Employer contribution / active EE | $3,109 | $5,170-39.9% | $4,617-32.7% | $4,869-36.1% |
| Participant deferral / active EE | $7,661 | $6,343+20.8% | $5,984+28.0% | $5,287+44.9% |
| Admin fee / account holder | $2,306 | $9,817-76.5% | $8,357-72.4% | $10,133-77.2% |