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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 | $86,613 | $92,798-6.7% | $96,707-10.4% | $137,256-36.9% |
| Participation rate | 100.0% | 81.6%+18.4pp | 80.4%+19.6pp | 80.0%+20.0pp |
| Annual return | 21.82% | 31.24%-9.4pp | 34.78%-13.0pp | 220.34%-198.5pp |
| Employer contribution / active EE | $5,435 | $4,147+31.0% | $4,191+29.7% | $4,156+30.8% |
| Participant deferral / active EE | $14,180 | $5,877+141.3% | $5,997+136.5% | $6,407+121.3% |
| Admin fee / account holder | $6,709 | $7,946-15.6% | $7,503-10.6% | $12,270-45.3% |