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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 | $158,749 | $136,860+16.0% | $120,344+31.9% | $154,746+2.6% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 14.92% | 21.38%-6.5pp | 20.30%-5.4pp | 172.34%-157.4pp |
| Employer contribution / active EE | $1,434 | $3,533-59.4% | $3,020-52.5% | $4,379-67.2% |
| Participant deferral / active EE | $4,414 | $5,793-23.8% | $5,135-14.0% | $6,730-34.4% |
| Admin fee / account holder | $11,542 | $15,393-25.0% | $12,742-9.4% | $14,365-19.7% |