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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 | $80,360 | $162,967-50.7% | $135,792-40.8% | $138,895-42.1% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 19.76% | 30.08%-10.3pp | 25.96%-6.2pp | 145.39%-125.6pp |
| Employer contribution / active EE | $9,512 | $4,211+125.9% | $3,496+172.1% | $4,194+126.8% |
| Participant deferral / active EE | $9,269 | $5,640+64.3% | $4,759+94.8% | $6,396+44.9% |
| Admin fee / account holder | $803 | $15,306-94.8% | $12,266-93.5% | $12,562-93.6% |