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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 | $135,146 | $154,228-12.4% | $145,433-7.1% | $137,256-1.5% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 17.50% | 74.59%-57.1pp | 66.58%-49.1pp | 220.34%-202.8pp |
| Employer contribution / active EE | $4,964 | $4,804+3.3% | $4,554+9.0% | $4,156+19.4% |
| Participant deferral / active EE | $3,480 | $8,216-57.6% | $7,897-55.9% | $6,407-45.7% |
| Admin fee / account holder | $588 | $14,344-95.9% | $13,129-95.5% | $12,270-95.2% |