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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 | $146,543 | $135,956+7.8% | $123,894+18.3% | $273,972-46.5% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 3.83% | 56.63%-52.8pp | 47.52%-43.7pp | 41.46%-37.6pp |
| Employer contribution / active EE | $3,727 | $5,170-27.9% | $4,617-19.3% | $4,869-23.5% |
| Participant deferral / active EE | $6,696 | $6,343+5.6% | $5,984+11.9% | $5,287+26.6% |
| Admin fee / account holder | $1,611 | $9,817-83.6% | $8,357-80.7% | $10,133-84.1% |