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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 | $151,329 | $162,821-7.1% | $133,978+13.0% | $158,982-4.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 14.52% | 41.95%-27.4pp | 45.10%-30.6pp | 302.99%-288.5pp |
| Employer contribution / active EE | $2,910 | $4,976-41.5% | $3,919-25.7% | $4,763-38.9% |
| Participant deferral / active EE | $6,870 | $5,910+16.2% | $5,047+36.1% | $5,983+14.8% |
| Admin fee / account holder | $7,331 | $11,742-37.6% | $8,930-17.9% | $11,252-34.8% |