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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 | $142,278 | $135,956+4.6% | $123,894+14.8% | $273,972-48.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 8.88% | 56.63%-47.7pp | 47.52%-38.6pp | 41.46%-32.6pp |
| Employer contribution / active EE | $3,902 | $5,170-24.5% | $4,617-15.5% | $4,869-19.9% |
| Participant deferral / active EE | $8,686 | $6,343+36.9% | $5,984+45.1% | $5,287+64.3% |
| Admin fee / account holder | $714 | $9,817-92.7% | $8,357-91.5% | $10,133-93.0% |