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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 | $145,454 | $135,956+7.0% | $123,894+17.4% | $273,972-46.9% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 10.52% | 56.63%-46.1pp | 47.52%-37.0pp | 41.46%-30.9pp |
| Employer contribution / active EE | $4,644 | $5,170-10.2% | $4,617+0.6% | $4,869-4.6% |
| Participant deferral / active EE | $11,988 | $6,343+89.0% | $5,984+100.3% | $5,287+126.7% |
| Admin fee / account holder | $6,676 | $9,817-32.0% | $8,357-20.1% | $10,133-34.1% |