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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 | $176,870 | $181,896-2.8% | $156,551+13.0% | $273,972-35.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 8.19% | 30.74%-22.6pp | 32.23%-24.0pp | 41.46%-33.3pp |
| Employer contribution / active EE | $10,651 | $6,248+70.5% | $5,501+93.6% | $4,869+118.8% |
| Participant deferral / active EE | $8,400 | $5,550+51.4% | $4,871+72.4% | $5,287+58.9% |
| Admin fee / account holder | $1,821 | $15,560-88.3% | $13,028-86.0% | $10,133-82.0% |