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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 | $159,687 | $146,267+9.2% | $197,124-19.0% | $82,448+93.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 21.95% | 29.61%-7.7pp | 44.34%-22.4pp | 41.64%-19.7pp |
| Employer contribution / active EE | $18,138 | $4,723+284.0% | $6,227+191.3% | $2,551+611.0% |
| Participant deferral / active EE | $17,902 | $7,035+154.5% | $9,135+96.0% | $4,139+332.5% |
| Admin fee / account holder | $795 | $14,422-94.5% | $16,298-95.1% | $7,234-89.0% |