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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 | $149,927 | $181,896-17.6% | $156,551-4.2% | $273,972-45.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 4.28% | 30.74%-26.5pp | 32.23%-27.9pp | 41.46%-37.2pp |
| Employer contribution / active EE | $9,439 | $6,248+51.1% | $5,501+71.6% | $4,869+93.9% |
| Participant deferral / active EE | $13,095 | $5,550+135.9% | $4,871+168.8% | $5,287+147.7% |
| Admin fee / account holder | $1,017 | $15,560-93.5% | $13,028-92.2% | $10,133-90.0% |