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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 | $63,207 | $107,666-41.3% | $102,184-38.1% | $154,746-59.2% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 16.75% | 29.33%-12.6pp | 31.58%-14.8pp | 172.34%-155.6pp |
| Employer contribution / active EE | $8,338 | $3,846+116.8% | $3,594+132.0% | $4,379+90.4% |
| Participant deferral / active EE | $5,276 | $8,719-39.5% | $8,309-36.5% | $6,730-21.6% |
| Admin fee / account holder | $7,337 | $12,943-43.3% | $11,609-36.8% | $14,365-48.9% |