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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 | $166,596 | $181,896-8.4% | $156,551+6.4% | $273,972-39.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 14.19% | 30.74%-16.6pp | 32.23%-18.0pp | 41.46%-27.3pp |
| Employer contribution / active EE | $9,635 | $6,248+54.2% | $5,501+75.1% | $4,869+97.9% |
| Participant deferral / active EE | $4,356 | $5,550-21.5% | $4,871-10.6% | $5,287-17.6% |
| Admin fee / account holder | $2,657 | $15,560-82.9% | $13,028-79.6% | $10,133-73.8% |