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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 | $184,014-7.4% | $161,149+5.7% | $138,895+22.6% |
| Participation rate | 94.4% | 82.1%+12.4pp | 78.8%+15.6pp | 79.9%+14.5pp |
| Annual return | 19.04% | 21.52%-2.5pp | 21.16%-2.1pp | 145.39%-126.4pp |
| Employer contribution / active EE | $6,112 | $5,055+20.9% | $4,360+40.2% | $4,194+45.7% |
| Participant deferral / active EE | $9,491 | $6,909+37.4% | $6,153+54.2% | $6,396+48.4% |
| Admin fee / account holder | $747 | $18,027-95.9% | $15,194-95.1% | $12,562-94.1% |