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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 | $82,424 | $138,312-40.4% | $122,979-33.0% | $155,188-46.9% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 7.84% | 22.06%-14.2pp | 20.12%-12.3pp | 148.84%-141.0pp |
| Employer contribution / active EE | $10,112 | $3,530+186.4% | $3,062+230.2% | $4,248+138.0% |
| Participant deferral / active EE | $6,656 | $5,592+19.0% | $5,003+33.0% | $6,531+1.9% |
| Admin fee / account holder | $8,508 | $15,089-43.6% | $12,864-33.9% | $14,480-41.2% |