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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 | $152,685 | $199,109-23.3% | $173,730-12.1% | $154,746-1.3% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 13.08% | 20.02%-6.9pp | 19.96%-6.9pp | 172.34%-159.3pp |
| Employer contribution / active EE | $5,094 | $5,311-4.1% | $4,577+11.3% | $4,379+16.3% |
| Participant deferral / active EE | $5,748 | $7,113-19.2% | $6,326-9.1% | $6,730-14.6% |
| Admin fee / account holder | $2,300 | $20,916-89.0% | $17,523-86.9% | $14,365-84.0% |