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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 | $147,185 | $149,446-1.5% | $256,809-42.7% | $94,015+56.6% |
| Participation rate | 100.0% | 85.3%+14.7pp | 88.5%+11.5pp | 70.8%+29.2pp |
| Annual return | 16.76% | 17.55%-0.8pp | 32.73%-16.0pp | 17.84%-1.1pp |
| Employer contribution / active EE | $6,475 | $4,596+40.9% | $7,263-10.8% | $2,790+132.1% |
| Participant deferral / active EE | $9,299 | $6,491+43.3% | $9,520-2.3% | $4,249+118.8% |
| Admin fee / account holder | $3,268 | $24,035-86.4% | $25,146-87.0% | $8,951-63.5% |