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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 | $153,490 | $174,379-12.0% | $152,093+0.9% | $138,895+10.5% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 12.64% | 74.86%-62.2pp | 66.36%-53.7pp | 145.39%-132.8pp |
| Employer contribution / active EE | $3,147 | $4,652-32.4% | $4,175-24.6% | $4,194-25.0% |
| Participant deferral / active EE | $7,786 | $6,159+26.4% | $5,451+42.8% | $6,396+21.7% |
| Admin fee / account holder | $2,049 | $16,880-87.9% | $14,497-85.9% | $12,562-83.7% |