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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 | $164,445 | $176,838-7.0% | $146,685+12.1% | $167,518-1.8% |
| Participation rate | 85.7% | 83.6%+2.1pp | 80.1%+5.6pp | 82.1%+3.6pp |
| Annual return | 18.55% | 24.04%-5.5pp | 22.75%-4.2pp | 478.71%-460.2pp |
| Employer contribution / active EE | $3,971 | $5,161-23.1% | $4,137-4.0% | $4,838-17.9% |
| Participant deferral / active EE | $6,906 | $6,441+7.2% | $5,507+25.4% | $6,342+8.9% |
| Admin fee / account holder | $2,090 | $13,262-84.2% | $10,281-79.7% | $12,312-83.0% |