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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 | $97,487 | $135,956-28.3% | $123,894-21.3% | $273,972-64.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 9.12% | 56.63%-47.5pp | 47.52%-38.4pp | 41.46%-32.3pp |
| Employer contribution / active EE | $5,260 | $5,170+1.7% | $4,617+13.9% | $4,869+8.0% |
| Participant deferral / active EE | $14,946 | $6,343+135.6% | $5,984+149.8% | $5,287+182.7% |
| Admin fee / account holder | $2,639 | $9,817-73.1% | $8,357-68.4% | $10,133-74.0% |