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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 | $151,816 | $162,821-6.8% | $133,978+13.3% | $158,982-4.5% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 12.66% | 41.95%-29.3pp | 45.10%-32.4pp | 302.99%-290.3pp |
| Employer contribution / active EE | $1,334 | $4,976-73.2% | $3,919-66.0% | $4,763-72.0% |
| Participant deferral / active EE | $4,863 | $5,910-17.7% | $5,047-3.7% | $5,983-18.7% |
| Admin fee / account holder | $729 | $11,742-93.8% | $8,930-91.8% | $11,252-93.5% |