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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 | $151,312 | $162,967-7.2% | $135,792+11.4% | $138,895+8.9% |
| Participation rate | 88.9% | 78.3%+10.6pp | 72.6%+16.3pp | 79.9%+9.0pp |
| Annual return | 14.49% | 30.08%-15.6pp | 25.96%-11.5pp | 145.39%-130.9pp |
| Employer contribution / active EE | $11,903 | $4,211+182.7% | $3,496+240.5% | $4,194+183.8% |
| Participant deferral / active EE | $7,763 | $5,640+37.6% | $4,759+63.1% | $6,396+21.4% |
| Admin fee / account holder | $2,171 | $15,306-85.8% | $12,266-82.3% | $12,562-82.7% |