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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 | $163,853 | $162,812+0.6% | $133,971+22.3% | $158,966+3.1% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 9.81% | 41.94%-32.1pp | 45.09%-35.3pp | 302.95%-293.1pp |
| Employer contribution / active EE | $4,820 | $4,976-3.1% | $3,919+23.0% | $4,762+1.2% |
| Participant deferral / active EE | $9,949 | $5,910+68.3% | $5,047+97.1% | $5,983+66.3% |
| Admin fee / account holder | $4,199 | $11,741-64.2% | $8,929-53.0% | $11,250-62.7% |