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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 | $166,484 | $138,312+20.4% | $122,979+35.4% | $155,188+7.3% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 16.77% | 22.06%-5.3pp | 20.12%-3.3pp | 148.84%-132.1pp |
| Employer contribution / active EE | $4,936 | $3,530+39.8% | $3,062+61.2% | $4,248+16.2% |
| Participant deferral / active EE | $17,316 | $5,592+209.6% | $5,003+246.1% | $6,531+165.1% |
| Admin fee / account holder | $3,411 | $15,089-77.4% | $12,864-73.5% | $14,480-76.4% |