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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 | $94,690 | $181,896-47.9% | $156,551-39.5% | $273,972-65.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.46% | 30.74%-24.3pp | 32.23%-25.8pp | 41.46%-35.0pp |
| Employer contribution / active EE | $9,933 | $6,248+59.0% | $5,501+80.6% | $4,869+104.0% |
| Participant deferral / active EE | $6,418 | $5,550+15.6% | $4,871+31.8% | $5,287+21.4% |
| Admin fee / account holder | $11,471 | $15,560-26.3% | $13,028-12.0% | $10,133+13.2% |