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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 | $169,318 | $136,860+23.7% | $120,344+40.7% | $154,746+9.4% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 13.85% | 21.38%-7.5pp | 20.30%-6.5pp | 172.34%-158.5pp |
| Employer contribution / active EE | $3,543 | $3,533+0.3% | $3,020+17.3% | $4,379-19.1% |
| Participant deferral / active EE | $6,269 | $5,793+8.2% | $5,135+22.1% | $6,730-6.9% |
| Admin fee / account holder | $670 | $15,393-95.6% | $12,742-94.7% | $14,365-95.3% |