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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 | $152,205 | $157,296-3.2% | $141,191+7.8% | $152,897-0.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.64% | 64.34%-44.7pp | 71.41%-51.8pp | 345.43%-325.8pp |
| Employer contribution / active EE | $5,035 | $5,262-4.3% | $4,736+6.3% | $4,764+5.7% |
| Participant deferral / active EE | $9,245 | $7,111+30.0% | $6,710+37.8% | $5,851+58.0% |
| Admin fee / account holder | $1,580 | $12,125-87.0% | $10,264-84.6% | $11,599-86.4% |