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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 | $151,704 | $176,794-14.2% | $146,647+3.4% | $167,553-9.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 9.83% | 24.04%-14.2pp | 22.75%-12.9pp | 478.89%-469.1pp |
| Employer contribution / active EE | $3,102 | $5,161-39.9% | $4,137-25.0% | $4,840-35.9% |
| Participant deferral / active EE | $4,366 | $6,440-32.2% | $5,506-20.7% | $6,343-31.2% |
| Admin fee / account holder | $996 | $13,262-92.5% | $10,281-90.3% | $12,316-91.9% |