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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 | $205,501 | $184,014+11.7% | $161,149+27.5% | $138,895+48.0% |
| Participation rate | 75.0% | 82.1%-7.1pp | 78.8%-3.8pp | 79.9%-4.9pp |
| Annual return | 14.71% | 21.52%-6.8pp | 21.16%-6.4pp | 145.39%-130.7pp |
| Employer contribution / active EE | $3,207 | $5,055-36.6% | $4,360-26.5% | $4,194-23.5% |
| Participant deferral / active EE | $6,413 | $6,909-7.2% | $6,153+4.2% | $6,396+0.3% |
| Admin fee / account holder | $450 | $18,027-97.5% | $15,194-97.0% | $12,562-96.4% |