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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 | $162,162 | $147,556+9.9% | $129,031+25.7% | $198,609-18.4% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 4.53% | 37.41%-32.9pp | 34.67%-30.1pp | 202.70%-198.2pp |
| Employer contribution / active EE | $869 | $3,645-76.2% | $3,226-73.1% | $5,055-82.8% |
| Participant deferral / active EE | $2,484 | $5,760-56.9% | $5,217-52.4% | $6,977-64.4% |
| Admin fee / account holder | $4,033 | $15,467-73.9% | $13,208-69.5% | $19,030-78.8% |