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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 | $122,718 | $153,769-20.2% | $133,975-8.4% | $273,972-55.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 9.73% | 36.51%-26.8pp | 29.29%-19.6pp | 41.46%-31.7pp |
| Employer contribution / active EE | $4,707 | $6,029-21.9% | $5,211-9.7% | $4,869-3.3% |
| Participant deferral / active EE | $7,405 | $6,958+6.4% | $6,282+17.9% | $5,287+40.1% |
| Admin fee / account holder | $474 | $11,765-96.0% | $9,324-94.9% | $10,133-95.3% |