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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 | $167,415-5.2% | $140,514+13.0% | $198,609-20.1% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 14.92% | 13.85%+1.1pp | 14.36%+0.6pp | 202.70%-187.8pp |
| Employer contribution / active EE | $1,434 | $4,088-64.9% | $3,378-57.5% | $5,055-71.6% |
| Participant deferral / active EE | $4,414 | $5,579-20.9% | $4,919-10.3% | $6,977-36.7% |
| Admin fee / account holder | $11,542 | $16,730-31.0% | $13,697-15.7% | $19,030-39.3% |