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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 | $79,271 | $135,956-41.7% | $123,894-36.0% | $273,972-71.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 7.08% | 56.63%-49.5pp | 47.52%-40.4pp | 41.46%-34.4pp |
| Employer contribution / active EE | $4,842 | $5,170-6.3% | $4,617+4.9% | $4,869-0.5% |
| Participant deferral / active EE | $4,472 | $6,343-29.5% | $5,984-25.3% | $5,287-15.4% |
| Admin fee / account holder | $385 | $9,817-96.1% | $8,357-95.4% | $10,133-96.2% |