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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 | $159,351 | $162,812-2.1% | $133,971+18.9% | $158,966+0.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 19.12% | 41.94%-22.8pp | 45.09%-26.0pp | 302.95%-283.8pp |
| Employer contribution / active EE | $3,391 | $4,976-31.8% | $3,919-13.5% | $4,762-28.8% |
| Participant deferral / active EE | $6,336 | $5,910+7.2% | $5,047+25.5% | $5,983+5.9% |
| Admin fee / account holder | $4,208 | $11,741-64.2% | $8,929-52.9% | $11,250-62.6% |