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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 | $155,521 | $174,379-10.8% | $152,093+2.3% | $138,895+12.0% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 17.35% | 74.86%-57.5pp | 66.36%-49.0pp | 145.39%-128.0pp |
| Employer contribution / active EE | $1,970 | $4,652-57.7% | $4,175-52.8% | $4,194-53.0% |
| Participant deferral / active EE | $6,526 | $6,159+6.0% | $5,451+19.7% | $6,396+2.0% |
| Admin fee / account holder | $1,076 | $16,880-93.6% | $14,497-92.6% | $12,562-91.4% |