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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 | $146,847 | $165,381-11.2% | $149,730-1.9% | $158,966-7.6% |
| Participation rate | 90.0% | 84.6%+5.4pp | 82.5%+7.5pp | 82.0%+8.0pp |
| Annual return | 18.20% | 348.29%-330.1pp | 276.70%-258.5pp | 302.95%-284.7pp |
| Employer contribution / active EE | $2,699 | $5,104-47.1% | $4,645-41.9% | $4,762-43.3% |
| Participant deferral / active EE | $12,309 | $7,182+71.4% | $6,843+79.9% | $5,983+105.7% |
| Admin fee / account holder | $604 | $10,809-94.4% | $9,310-93.5% | $11,250-94.6% |