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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 | $161,352-6.2% | $134,172+12.8% | $137,256+10.2% |
| Participation rate | 88.9% | 78.3%+10.6pp | 72.5%+16.4pp | 80.0%+8.9pp |
| Annual return | 14.49% | 28.72%-14.2pp | 25.30%-10.8pp | 220.34%-205.8pp |
| Employer contribution / active EE | $11,903 | $4,099+190.4% | $3,420+248.1% | $4,156+186.4% |
| Participant deferral / active EE | $7,763 | $5,552+39.8% | $4,690+65.5% | $6,407+21.2% |
| Admin fee / account holder | $2,171 | $15,028-85.6% | $12,016-81.9% | $12,270-82.3% |