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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 | $168,985 | $177,156-4.6% | $147,027+14.9% | $154,746+9.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 10.37% | 21.94%-11.6pp | 20.23%-9.9pp | 172.34%-162.0pp |
| Employer contribution / active EE | $1,669 | $4,336-61.5% | $3,626-54.0% | $4,379-61.9% |
| Participant deferral / active EE | $4,627 | $5,797-20.2% | $4,933-6.2% | $6,730-31.3% |
| Admin fee / account holder | $555 | $14,904-96.3% | $12,223-95.5% | $14,365-96.1% |