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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 | $89,628 | $135,956-34.1% | $123,894-27.7% | $273,972-67.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 9.68% | 56.63%-46.9pp | 47.52%-37.8pp | 41.46%-31.8pp |
| Employer contribution / active EE | $8,520 | $5,170+64.8% | $4,617+84.6% | $4,869+75.0% |
| Participant deferral / active EE | $4,553 | $6,343-28.2% | $5,984-23.9% | $5,287-13.9% |
| Admin fee / account holder | $961 | $9,817-90.2% | $8,357-88.5% | $10,133-90.5% |