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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 | $95,604 | $135,956-29.7% | $123,894-22.8% | $273,972-65.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 8.03% | 56.63%-48.6pp | 47.52%-39.5pp | 41.46%-33.4pp |
| Employer contribution / active EE | $3,810 | $5,170-26.3% | $4,617-17.5% | $4,869-21.7% |
| Participant deferral / active EE | $7,977 | $6,343+25.8% | $5,984+33.3% | $5,287+50.9% |
| Admin fee / account holder | $4,409 | $9,817-55.1% | $8,357-47.2% | $10,133-56.5% |