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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 | $185,141-18.3% | $153,416-1.4% | $155,188-2.5% |
| Participation rate | 88.9% | 79.9%+9.0pp | 74.3%+14.5pp | 80.8%+8.1pp |
| Annual return | 14.49% | 18.72%-4.2pp | 17.84%-3.3pp | 148.84%-134.3pp |
| Employer contribution / active EE | $11,903 | $4,489+165.1% | $3,764+216.2% | $4,248+180.2% |
| Participant deferral / active EE | $7,763 | $5,477+41.7% | $4,723+64.4% | $6,531+18.9% |
| Admin fee / account holder | $2,171 | $16,005-86.4% | $13,095-83.4% | $14,480-85.0% |