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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 | $82,238 | $76,551+7.4% | $123,894-33.6% | $62,881+30.8% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 8.15% | 18.68%-10.5pp | 47.52%-39.4pp | 20.14%-12.0pp |
| Employer contribution / active EE | $5,340 | $2,882+85.3% | $4,617+15.7% | $2,281+134.1% |
| Participant deferral / active EE | $4,357 | $4,840-10.0% | $5,984-27.2% | $3,203+36.0% |
| Admin fee / account holder | $368 | $4,826-92.4% | $8,357-95.6% | $4,296-91.4% |