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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 | $134,830 | $162,967-17.3% | $135,792-0.7% | $138,895-2.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 18.05% | 30.08%-12.0pp | 25.96%-7.9pp | 145.39%-127.3pp |
| Employer contribution / active EE | $7,379 | $4,211+75.2% | $3,496+111.1% | $4,194+75.9% |
| Participant deferral / active EE | $4,281 | $5,640-24.1% | $4,759-10.1% | $6,396-33.1% |
| Admin fee / account holder | $430 | $15,306-97.2% | $12,266-96.5% | $12,562-96.6% |