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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 | $153,689 | $161,352-4.7% | $134,172+14.5% | $137,256+12.0% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 18.98% | 28.72%-9.7pp | 25.30%-6.3pp | 220.34%-201.4pp |
| Employer contribution / active EE | $21,472 | $4,099+423.9% | $3,420+527.8% | $4,156+416.6% |
| Participant deferral / active EE | $17,306 | $5,552+211.7% | $4,690+269.0% | $6,407+170.1% |
| Admin fee / account holder | $1,044 | $15,028-93.1% | $12,016-91.3% | $12,270-91.5% |