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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 | $213,785-28.6% | $185,441-17.7% | $155,188-1.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 13.08% | 19.97%-6.9pp | 20.16%-7.1pp | 148.84%-135.8pp |
| Employer contribution / active EE | $5,094 | $5,393-5.6% | $4,672+9.0% | $4,248+19.9% |
| Participant deferral / active EE | $5,748 | $6,864-16.3% | $6,152-6.6% | $6,531-12.0% |
| Admin fee / account holder | $2,300 | $21,134-89.1% | $17,890-87.1% | $14,480-84.1% |