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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 | $158,828 | $136,860+16.1% | $120,344+32.0% | $154,746+2.6% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 12.73% | 21.38%-8.6pp | 20.30%-7.6pp | 172.34%-159.6pp |
| Employer contribution / active EE | $4,401 | $3,533+24.6% | $3,020+45.7% | $4,379+0.5% |
| Participant deferral / active EE | $11,218 | $5,793+93.6% | $5,135+118.5% | $6,730+66.7% |
| Admin fee / account holder | $3,648 | $15,393-76.3% | $12,742-71.4% | $14,365-74.6% |