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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 | $150,912 | $213,785-29.4% | $185,441-18.6% | $155,188-2.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 18.74% | 19.97%-1.2pp | 20.16%-1.4pp | 148.84%-130.1pp |
| Employer contribution / active EE | $6,158 | $5,393+14.2% | $4,672+31.8% | $4,248+45.0% |
| Participant deferral / active EE | $14,776 | $6,864+115.3% | $6,152+140.2% | $6,531+126.2% |
| Admin fee / account holder | $1,021 | $21,134-95.2% | $17,890-94.3% | $14,480-92.9% |