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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 | $239,561 | $181,896+31.7% | $156,551+53.0% | $273,972-12.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 7.90% | 30.74%-22.8pp | 32.23%-24.3pp | 41.46%-33.6pp |
| Employer contribution / active EE | $7,038 | $6,248+12.6% | $5,501+27.9% | $4,869+44.6% |
| Participant deferral / active EE | $3,429 | $5,550-38.2% | $4,871-29.6% | $5,287-35.2% |
| Admin fee / account holder | $1,512 | $15,560-90.3% | $13,028-88.4% | $10,133-85.1% |