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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 | $162,967+3.7% | $135,792+24.4% | $138,895+21.7% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 10.37% | 30.08%-19.7pp | 25.96%-15.6pp | 145.39%-135.0pp |
| Employer contribution / active EE | $1,669 | $4,211-60.4% | $3,496-52.3% | $4,194-60.2% |
| Participant deferral / active EE | $4,627 | $5,640-18.0% | $4,759-2.8% | $6,396-27.7% |
| Admin fee / account holder | $555 | $15,306-96.4% | $12,266-95.5% | $12,562-95.6% |