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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 | $145,409 | $181,896-20.1% | $156,551-7.1% | $273,972-46.9% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 9.54% | 30.74%-21.2pp | 32.23%-22.7pp | 41.46%-31.9pp |
| Employer contribution / active EE | $10,033 | $6,248+60.6% | $5,501+82.4% | $4,869+106.1% |
| Participant deferral / active EE | $4,448 | $5,550-19.8% | $4,871-8.7% | $5,287-15.9% |
| Admin fee / account holder | $1,127 | $15,560-92.8% | $13,028-91.3% | $10,133-88.9% |