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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 | $154,326 | $161,352-4.4% | $134,172+15.0% | $137,256+12.4% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 15.58% | 28.72%-13.1pp | 25.30%-9.7pp | 220.34%-204.8pp |
| Employer contribution / active EE | $8,497 | $4,099+107.3% | $3,420+148.5% | $4,156+104.5% |
| Participant deferral / active EE | $4,484 | $5,552-19.2% | $4,690-4.4% | $6,407-30.0% |
| Admin fee / account holder | $437 | $15,028-97.1% | $12,016-96.4% | $12,270-96.4% |