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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 | $135,426 | $153,769-11.9% | $133,975+1.1% | $273,972-50.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 7.99% | 36.51%-28.5pp | 29.29%-21.3pp | 41.46%-33.5pp |
| Employer contribution / active EE | $8,090 | $6,029+34.2% | $5,211+55.2% | $4,869+66.2% |
| Participant deferral / active EE | $6,633 | $6,958-4.7% | $6,282+5.6% | $5,287+25.5% |
| Admin fee / account holder | $306 | $11,765-97.4% | $9,324-96.7% | $10,133-97.0% |