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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 | $113,377 | $153,311-26.0% | $109,313+3.7% | $273,972-58.6% |
| Participation rate | 100.0% | 80.1%+19.9pp | 71.3%+28.7pp | 83.0%+17.0pp |
| Annual return | 10.32% | 29.86%-19.5pp | 22.07%-11.8pp | 41.46%-31.1pp |
| Employer contribution / active EE | $7,630 | $5,619+35.8% | $3,892+96.0% | $4,869+56.7% |
| Participant deferral / active EE | $5,088 | $3,932+29.4% | $3,166+60.7% | $5,287-3.8% |
| Admin fee / account holder | $613 | $8,076-92.4% | $5,666-89.2% | $10,133-94.0% |