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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 | $146,267+0.6% | $197,124-25.3% | $82,448+78.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 16.76% | 29.61%-12.9pp | 44.34%-27.6pp | 41.64%-24.9pp |
| Employer contribution / active EE | $6,475 | $4,723+37.1% | $6,227+4.0% | $2,551+153.8% |
| Participant deferral / active EE | $9,299 | $7,035+32.2% | $9,135+1.8% | $4,139+124.7% |
| Admin fee / account holder | $3,268 | $14,422-77.3% | $16,298-79.9% | $7,234-54.8% |