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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 | $148,373 | $147,556+0.6% | $129,031+15.0% | $198,609-25.3% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 16.84% | 37.41%-20.6pp | 34.67%-17.8pp | 202.70%-185.9pp |
| Employer contribution / active EE | $2,284 | $3,645-37.3% | $3,226-29.2% | $5,055-54.8% |
| Participant deferral / active EE | $6,598 | $5,760+14.6% | $5,217+26.5% | $6,977-5.4% |
| Admin fee / account holder | $570 | $15,467-96.3% | $13,208-95.7% | $19,030-97.0% |