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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 | $167,201 | $167,415-0.1% | $140,514+19.0% | $198,609-15.8% |
| Participation rate | 94.7% | 80.9%+13.9pp | 77.8%+16.9pp | 82.4%+12.4pp |
| Annual return | 15.90% | 13.85%+2.0pp | 14.36%+1.5pp | 202.70%-186.8pp |
| Employer contribution / active EE | $4,922 | $4,088+20.4% | $3,378+45.7% | $5,055-2.6% |
| Participant deferral / active EE | $5,017 | $5,579-10.1% | $4,919+2.0% | $6,977-28.1% |
| Admin fee / account holder | $939 | $16,730-94.4% | $13,697-93.1% | $19,030-95.1% |