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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 | $210,908-19.8% | $153,643+10.1% | $145,884+16.0% |
| Participation rate | 82.4% | 82.1%+0.2pp | 77.1%+5.3pp | 80.3%+2.1pp |
| Annual return | 19.74% | 13.46%+6.3pp | 15.71%+4.0pp | 551.85%-532.1pp |
| Employer contribution / active EE | $3,100 | $6,055-48.8% | $5,039-38.5% | $4,662-33.5% |
| Participant deferral / active EE | $7,374 | $7,976-7.6% | $6,754+9.2% | $6,690+10.2% |
| Admin fee / account holder | $748 | $19,477-96.2% | $12,739-94.1% | $13,392-94.4% |