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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 | $148,804 | $184,014-19.1% | $161,149-7.7% | $138,895+7.1% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 12.52% | 21.52%-9.0pp | 21.16%-8.6pp | 145.39%-132.9pp |
| Employer contribution / active EE | $4,119 | $5,055-18.5% | $4,360-5.5% | $4,194-1.8% |
| Participant deferral / active EE | $10,818 | $6,909+56.6% | $6,153+75.8% | $6,396+69.1% |
| Admin fee / account holder | $19,085 | $18,027+5.9% | $15,194+25.6% | $12,562+51.9% |