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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 | $145,431+1.2% | $211,142-30.3% | $87,485+68.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.3%+12.7pp | 68.9%+31.1pp |
| Annual return | 16.76% | 27.21%-10.4pp | 46.84%-30.1pp | 26.06%-9.3pp |
| Employer contribution / active EE | $6,475 | $4,662+38.9% | $6,442+0.5% | $2,596+149.4% |
| Participant deferral / active EE | $9,299 | $6,859+35.6% | $9,284+0.2% | $4,274+117.6% |
| Admin fee / account holder | $3,268 | $17,052-80.8% | $19,076-82.9% | $7,775-58.0% |