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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 | $152,132 | $162,967-6.6% | $135,792+12.0% | $138,895+9.5% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 19.37% | 30.08%-10.7pp | 25.96%-6.6pp | 145.39%-126.0pp |
| Employer contribution / active EE | $4,168 | $4,211-1.0% | $3,496+19.2% | $4,194-0.6% |
| Participant deferral / active EE | $7,208 | $5,640+27.8% | $4,759+51.5% | $6,396+12.7% |
| Admin fee / account holder | $8,432 | $15,306-44.9% | $12,266-31.3% | $12,562-32.9% |