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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 | $170,354 | $199,109-14.4% | $173,730-1.9% | $154,746+10.1% |
| Participation rate | 94.4% | 82.8%+11.6pp | 79.6%+14.9pp | 80.7%+13.7pp |
| Annual return | 19.04% | 20.02%-1.0pp | 19.96%-0.9pp | 172.34%-153.3pp |
| Employer contribution / active EE | $6,112 | $5,311+15.1% | $4,577+33.5% | $4,379+39.6% |
| Participant deferral / active EE | $9,491 | $7,113+33.4% | $6,326+50.0% | $6,730+41.0% |
| Admin fee / account holder | $747 | $20,916-96.4% | $17,523-95.7% | $14,365-94.8% |