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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 | $113,764 | $181,896-37.5% | $156,551-27.3% | $273,972-58.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 6.84% | 30.74%-23.9pp | 32.23%-25.4pp | 41.46%-34.6pp |
| Employer contribution / active EE | $10,847 | $6,248+73.6% | $5,501+97.2% | $4,869+122.8% |
| Participant deferral / active EE | $4,868 | $5,550-12.3% | $4,871-0.1% | $5,287-7.9% |
| Admin fee / account holder | $1,274 | $15,560-91.8% | $13,028-90.2% | $10,133-87.4% |