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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 | $140,662 | $181,896-22.7% | $156,551-10.1% | $273,972-48.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 7.16% | 30.74%-23.6pp | 32.23%-25.1pp | 41.46%-34.3pp |
| Employer contribution / active EE | $6,638 | $6,248+6.2% | $5,501+20.7% | $4,869+36.3% |
| Participant deferral / active EE | $2,773 | $5,550-50.0% | $4,871-43.1% | $5,287-47.6% |
| Admin fee / account holder | $330 | $15,560-97.9% | $13,028-97.5% | $10,133-96.7% |