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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 | $83,433 | $153,769-45.7% | $133,975-37.7% | $273,972-69.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 11.47% | 36.51%-25.0pp | 29.29%-17.8pp | 41.46%-30.0pp |
| Employer contribution / active EE | $9,345 | $6,029+55.0% | $5,211+79.3% | $4,869+91.9% |
| Participant deferral / active EE | $7,475 | $6,958+7.4% | $6,282+19.0% | $5,287+41.4% |
| Admin fee / account holder | $555 | $11,765-95.3% | $9,324-94.0% | $10,133-94.5% |