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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 | $150,753 | $153,311-1.7% | $109,313+37.9% | $273,972-45.0% |
| Participation rate | 100.0% | 80.1%+19.9pp | 71.3%+28.7pp | 83.0%+17.0pp |
| Annual return | 7.47% | 29.86%-22.4pp | 22.07%-14.6pp | 41.46%-34.0pp |
| Employer contribution / active EE | $3,749 | $5,619-33.3% | $3,892-3.7% | $4,869-23.0% |
| Participant deferral / active EE | $7,188 | $3,932+82.8% | $3,166+127.0% | $5,287+35.9% |
| Admin fee / account holder | $350 | $8,076-95.7% | $5,666-93.8% | $10,133-96.5% |