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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 | $169,201 | $210,991-19.8% | $153,741+10.1% | $145,897+16.0% |
| Participation rate | 82.4% | 82.1%+0.2pp | 77.1%+5.3pp | 80.3%+2.0pp |
| Annual return | 19.74% | 13.46%+6.3pp | 15.71%+4.0pp | 552.29%-532.6pp |
| Employer contribution / active EE | $3,100 | $6,057-48.8% | $5,042-38.5% | $4,663-33.5% |
| Participant deferral / active EE | $7,374 | $7,979-7.6% | $6,757+9.1% | $6,689+10.2% |
| Admin fee / account holder | $748 | $19,490-96.2% | $12,749-94.1% | $13,390-94.4% |